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Quick recommendation $0 / mo I just want free BOTH BUREAUS One subscription ID THEFT INSURANCE I was compromised ALL-IN-ONE Banking + monitoring
OUR PICK: Free + Free Use Borrowell for TransUnion + KOHO for Equifax. Two bureaus, $0/mo.
★ CHART · COST vs COVERAGE ★
All 8 ranked by price Borrowell Free TransUnion · Alerts: Score changes
FREE
ID Insurance: ✗
CreditKarma TransUnion · Alerts: Weekly
FREE
ID Insurance: ✗
Mogo Equifax · Alerts: Monthly
FREE
ID Insurance: ✓ Basic
Borrowell Premium TransUnion + Equifax · Alerts: Daily monitoring
$7.99/mo
ID Insurance: ✓ $50k insurance
KOHO Essential Equifax · Alerts: Score changes
$9.00/mo
ID Insurance: ✗
KOHO Extra Equifax · Alerts: Daily
$19.00/mo
ID Insurance: ✓
Equifax Complete Premier Equifax · Alerts: Daily · 4-bureau scan
$19.95/mo
ID Insurance: ✓ $1M insurance
TransUnion myTrueIdentity TransUnion · Alerts: Real-time
$24.95/mo
ID Insurance: ✓ $1M insurance
★ FULL COMPARISON ★
Every feature, side by side SERVICE
PRICE
BUREAU
ALERTS
ID INSURANCE
REPORT ACCESS
BONUS
Borrowell Free
FREE
TransUnion
Score changes
✗
Monthly
Cancellation: instant
Borrowell Premium
$7.99
TransUnion + Equifax
Daily monitoring
✓ $50k insurance
Both bureaus
Dark web scan
CreditKarma
FREE
TransUnion
Weekly
✗
Monthly
Tax filing integration
Equifax Complete Premier
$19.95
Equifax
Daily · 4-bureau scan
✓ $1M insurance
Daily
Lost wallet recovery
TransUnion myTrueIdentity
$24.95
TransUnion
Real-time
✓ $1M insurance
Unlimited
Credit lock
KOHO Essential
$9.00
Equifax
Score changes
✗
Weekly
Banking + cashback
KOHO Extra
$19.00
Equifax
Daily
✓
Weekly
Banking + 5% cashback
Mogo
FREE
Equifax
Monthly
✓ Basic
Monthly
Crypto, loans, cards
★ DO YOU EVEN NEED IT? ★
Worth paying for vs free is fine ✓ PAY FOR MONITORING You've been an identity theft victim before Your data leaked in a breach (Capital One 2019, Desjardins 2019, Indigo 2023) Public figure / high net worth Building credit and want weekly tracking Multiple addresses / frequent moves ✓ FREE IS FINE Stable address and credit profile Only 1-2 active credit accounts You check Borrowell/KOHO monthly anyway Not actively planning a major loan in next 6 months Your bank offers free monitoring (RBC Wise, etc.)