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If you notice an irregularity on one of your reports, you can click a link from the dashboard and begin the dispute process, a timesaving feature that keeps you from having to go to each of the bureau’s websites.

Generally this isn’t an issue since all major financial institutions report to all three bureaus.

Smaller credit unions and local lenders may not, however, so depending on where you live, your scores may vary.

It will alert you immediately if your identity has been compromised.

You can also send disputes to the three bureaus directly through the Identity Guard dashboard.

For this update we spent 40 hours researching credit reporting services and speaking with representatives of the companies.