There are several out there...both free and paid. But, if you don't want to bother with checking and re-checking, the AMEX service is superb. I've used it for a few years, and yes, you have a monthly fee....but look at it as if you just refrained from ordering a single glass of wine each month when you're out to dinner. They e-mail you notification anytime your credit rating is accessed, and they even send you a monthly notice indicating that your numbers haven't been accessed by anyone. Need quick info...use your passwords to access the site and you've got scores and credit payment details from all three sources.