Subscriptions For Daily Credit Monitoring

1) BlackCard Starter — 

$7.99/mo

Best for: first-time monitors who want real alerts without upsells.

What you get

  • Daily 1-Bureau monitoring + alerts (TransUnion) with instant push/email on key changes (new inquiries, new accounts, late payments, public records).
  • Monthly VantageScore 3.0 (TU) + factor grades with plain-English explanation & tips.
  • Credit-builder toolkit: dispute-letter starter pack (PDF/Word), inquiry removal request template, pay-for-delete offer template, goodwill late-removal template.
  • Breach & dark-web email scan (monthly) + guidance to secure compromised logins.
  • Hard-pull tracker & calendar so users pace applications.
  • Quarterly “score game plan” (auto-generated, personalized to their file).

Why this beats competitors at this price

  • TransUnion itself offers free daily TU monitoring—but no templates or guided action plan. You’re adding practical tools at a low entry price.  
  • IdentityIQ’s nearest paid plan starts around $6.99–$9.99 but is light on education/tools at that level. You add templates and strategy while staying under $10.  

2) BlackCard Pro — 

$14.99/mo

For users actively rebuilding and comparing across bureaus.

Everything in Starter, plus

  • 2-Bureau monitoring (TU + Experian) with next-day refresh & alerts.
  • Monthly scores from both bureaus + score simulator (pay-down, dispute, new trade line scenarios).
  • 1 tri-bureau soft-pull snapshot every 6 months (all 3 reports summarized side-by-side).
  • Rapid Alert+: high-risk alerts (new tradeline, address change, fraud alert) forwarded to the client and optional trusted contact.
  • Mini-clinic: one 10-minute coach check-in via phone each quarter to prioritize actions.
  • Debt-validation pack for collectors (FDCPA-oriented templates, educational, non-legal advice).

Why this beats competitors

  • PrivacyGuard charges $9.99 for Identity-only or $24.99 for Total Protection. At $14.99, you provide multi-bureau monitoring + tools + a live touchpoint that their mid plan doesn’t include.  
  • myFICO Basic is $19.95 and focuses on FICO delivery; you deliver multi-bureau monitoring + simulator + coaching for $5 less.  

3) BlackCard Elite — 

$24.99/mo

Serious optimization & protection—priced to go toe-to-toe with national “premium” plans.

Everything in Pro, plus

  • Full 3-Bureau monitoring (EX, TU, EQ) with daily dark-web scans and high-priority alerts.
  • Monthly tri-bureau scores (VantageScore) + tri-bureau report refresh quarterly.
  • FICO® orientation pack (guide to lender-used versions + where they matter: mortgages, autos, cards).
  • Score-boost playbook each month with utilization targets and AZEO guidance.
  • $50,000 identity-theft expense reimbursement (policy via partner carrier) + lost-wallet assistance & card replacement.
  • Priority dispute workflow: step-by-step timelines, trackable tasks, and pre-filled letters based on the alert type.
  • Quarterly 20-minute strategy call + email support.

Why this wins at $24.99

  • Experian’s Premium identity/credit plan is $24.99/mo—you match the headline price but include tri-bureau report refreshes/education/coaching instead of focusing on one ecosystem.  
  • Equifax markets family/complete plans from $29.95; LifeLock Ultimate Plus and similar run higher. Your plan lands below those while offering tri-bureau monitoring and hands-on guidance.