Unfortunately, Equifax, TransUnion, and Experian do a terrible job of explaining the services they offer, in my humble opinion.
All three offer a $15 per month service that monitors significant changes to a consumer's credit reports at all three major credit bureaus. The $15 fee includes fraud insurance and e-mail alerts when a credit report changes. The Equifax 3-in-1 Monitoring with 4 FICO Scores adds in the FICO score, which the other two do not match at that price point.
If you want to see all three of your credit reports at any time and any interval you won't get that with the Equifax 3-in-1 Monitoring with 4 FICO Scores. To see the credit reports, you will need to purchase the Experian 3 Bureau Online Credit Report for $40 per month, or the TransUnion 3-in-1 Credit Report or Equifax 3-in-1 Report for $30 per month. Unfortunately, none of the more expensive services include a monitoring service.
For your particular situation (in an earlier message you explained that a family member's derogatory account activities were being reported on your credit report erroneously) I recommend you consider the $15 monitoring service from any of the three credit bureaus. I do not have direct experience with any of these services, and consequently cannot recommend one over the other. I encourage readers who have had direct experience with any of the monitoring services to share their thoughts in the comments section below.
This is not responsive to your question, but I would feel remiss if I did not mention that consumers can get a no-cost copy of their credit report from each of the three consumer credit reporting agencies (commonly called credit bureaus) by visiting AnnualCreditReport.com
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