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{{Short description|none}}
The following chart compares websites that provide United States ]s or ]s for free. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of ] are included, and whether a full ] is needed.


According to the ], "] is the only authorized source for the free annual credit report."<ref>.</ref><ref>{{cite web|url=https://www.theverge.com/2017/9/8/16276572/equifax-hack-protection-class-action-lawsuit-terms-of-service|title=Can you join a class action suit if you use Equifax’s free identity theft protection?|publisher=}}</ref> Care should be taken when providing a full Social Security number to any other website. The following chart compares websites that provide United States ]s or ]s free of charge. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of ] are included, and whether a full ] is needed.
According to the ], "] is the only authorized source for the free annual credit report."<ref>.</ref><ref>{{cite web|url=https://www.theverge.com/2017/9/8/16276572/equifax-hack-protection-class-action-lawsuit-terms-of-service|title=Can you join a class action suit if you use Equifax's free identity theft protection?|date=8 September 2017|publisher=}}</ref> Care should be taken when providing a full Social Security number to any other website.


<!--Entries in this list should be notable or likely notable (incl. an independent source with some coverage, see also WP:CSC)--> <!--Entries in this list should be notable or likely notable (incl. an independent source with some coverage, see also WP:CSC)-->
{| class="wikitable sortable" {| class="wikitable sortable"
|+ '''Comparison of free credit monitoring websites''' |+ Comparison of free credit monitoring websites
! '''Name''' ! Name
! '''Frequency''' ! Frequency
! '''Credit bureau(s)''' ! Credit bureau(s)
! '''Full SSN required?''' ! Full SSN required?
! '''Scoring model''' ! Scoring model
|- |-
| ] | ]
| Annual full official report (one from each agency) <ref name="AnnualCreditReport.com">{{cite web|url=http://www.annualcreditreport.com|title=Annual Credit Report.com - Home Page|website=www.annualcreditreport.com}}</ref> | Annual full official report (one from each agency)<ref name="AnnualCreditReport.com">{{cite web|url=http://www.annualcreditreport.com|title=Annual Credit Report.com - Home Page|website=www.annualcreditreport.com}}</ref>
| ], ], ]<ref name="AnnualCreditReport.com" /> | ], ], ]<ref name="AnnualCreditReport.com" />
| {{Bad|Yes}}<ref name="AnnualCreditReport.com" /> | {{Bad|Yes}}<ref name="AnnualCreditReport.com" />
Line 19: Line 21:
|- |-
| CreditCards.com by ] | CreditCards.com by ]
| Monthly full report<ref name="My.CreditCards.com">{{cite web|url=https://my.creditcards.com|title=I just got my free credit report and score at CreditCards.com|first=|last=CreditCards.com|website=my.creditcards.com}}</ref> | Monthly full report<ref name="My.CreditCards.com">{{cite web|url=https://my.creditcards.com|title=I just got my free credit report and score at CreditCards.com|last=CreditCards.com|website=my.creditcards.com}}</ref>
| TransUnion<ref name="My.CreditCards.com" /> | TransUnion<ref name="My.CreditCards.com" />
| {{Good|Last 4 digits only}} | {{Good|Last 4 digits only}}
| {{Yes|VantageScore 3.0}}<ref name="My.CreditCards.com" /> | {{Yes|VantageScore 3.0}}<ref name="My.CreditCards.com" />
|- |-
| CreditWise by ] | CreditWise Capital by ]
| Weekly full report<ref name="Credit Wise">{{cite web|url=https://www.capitalone.com/credit-cards/benefits/creditwise/|title=Monitor Your Credit With CreditWise - Capital One|website=www.capitalone.com}}</ref> | Weekly full report<ref name="Credit Wise">{{cite web|url=https://www.capitalone.com/credit-cards/benefits/creditwise/|title=Monitor Your Credit With CreditWise - Capital One|website=www.capitalone.com}}</ref>
| TransUnion<ref name="Credit Wise" /> | TransUnion<ref name="Credit Wise" />
Line 32: Line 34:
| CreditWorks Basic by ] | CreditWorks Basic by ]
|Monthly full report<ref name="Experian CreditWorks">{{cite web|url=http://www.freecreditscore.com|title=Free Credit Score - Get Your FICO® Score: No Credit Card Needed.|website=www.freecreditscore.com}}</ref> |Monthly full report<ref name="Experian CreditWorks">{{cite web|url=http://www.freecreditscore.com|title=Free Credit Score - Get Your FICO® Score: No Credit Card Needed.|website=www.freecreditscore.com}}</ref>
|Experian | Experian<ref name="Experian CreditWorks"/>
| {{Bad|Yes}}<ref name="Experian CreditWorks"/> | {{Bad|Yes}}<ref name="Experian CreditWorks"/>
| {{Yes|FICO 8}}<ref name="Experian CreditWorks"/> | {{Yes|FICO 8 Score}}<ref name="Experian CreditWorks"/>
|- |-
| Credit Journey by ] | Credit Journey by ]
| Weekly summary<ref name="ChaseCreditJourney">{{cite web|url=https://creditcards.chase.com/free-credit-score|title=Free Credit Score - Credit Journey - Chase.com|website=creditcards.chase.com}}</ref> | Weekly summary<ref name="ChaseCreditJourney">{{cite web|url=https://creditcards.chase.com/free-credit-score|title=Free Credit Score - Credit Journey - Chase.com|website=creditcards.chase.com}}</ref>
| TransUnion<ref name="ChaseCreditJourney" /> | TransUnion<ref name="ChaseCreditJourney" />
Line 43: Line 45:
|- |-
| ] | ]
| Weekly full reports<ref name="Credit Karma">{{cite web|url=http://www.creditkarma.com|title=Free Credit Score & Free Credit Reports With Monitoring - Credit Karma|website=www.creditkarma.com}}</ref> | Daily TransUnion & Daily Equifax full reports<ref name="Credit Karma">{{cite web|url=http://www.creditkarma.com|title=Free Credit Score & Free Credit Reports With Monitoring - Credit Karma|website=www.creditkarma.com}}</ref>
| TransUnion, Equifax<ref name="Credit Karma" /> | TransUnion, Equifax<ref name="Credit Karma" />
| {{Good|Sometimes}}<ref>{{cite web|url=https://www.creditkarma.com/question/why-is-credit-karma-asking-for-my-entire-ssn|title=Why is Credit Karma asking for my entire SSN?}}</ref> | {{Good|Sometimes}}<ref>{{cite web|url=https://www.creditkarma.com/question/why-is-credit-karma-asking-for-my-entire-ssn|title=Why is Credit Karma asking for my entire SSN?}}</ref>
| {{Yes|VantageScore 3.0}}<ref name="VantageScore.com">{{cite web|url=http://your.vantagescore.com/free|title=Free score providers -|website=your.vantagescore.com}}</ref> | {{Yes|VantageScore 3.0}}<ref name="VantageScore.com">{{cite web|url=http://your.vantagescore.com/free|title=Free score providers -|website=your.vantagescore.com}}</ref>
|- |-
⚫ | Credit Sesame
| Credit Scorecard by ]
⚫ | Monthly summary<ref name="Creditscorecard">{{cite web|url=https://www.discover.com/free-credit-score|title=Free Credit Score – FICO® Credit Score Card - Discover|website=www.discover.com}}</ref>
| Experian
⚫ | {{Bad|Yes}}<ref name="Creditscorecard" />
⚫ | {{Yes|FICO 8}}<ref name="Creditscorecard" />
⚫ |-
⚫ | ]
| Monthly summary<ref name="Credit Sesame">{{cite web|url=https://www.creditsesame.com/blog/credit/what-credit-score-we-use/|title=Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame|date=28 February 2017|publisher=}}</ref> | Monthly summary<ref name="Credit Sesame">{{cite web|url=https://www.creditsesame.com/blog/credit/what-credit-score-we-use/|title=Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame|date=28 February 2017|publisher=}}</ref>
| TransUnion<ref name="Credit Sesame" /> | TransUnion<ref name="Credit Sesame" />
| {{Good|Last 4 digits only}}<ref name="Credit Sesame" /> | {{Good|Last 4 digits only}}<ref name="Credit Sesame" />
| {{Yes|VantageScore 3.0}}<ref name="Credit Sesame" /> | {{Yes|VantageScore 3.0}}<ref name="Credit Sesame" />
⚫ |-
| ] Core Credit
| Monthly summary<ref name="Equifax Core Credit">{{cite web|url=https://www.equifax.com/personal/products/credit/free-credit-score/|title=Monthly Credit Score & Report - Equifax Core Credit - Equifax|date=21 August 2020|publisher=}}</ref>
| Equifax
⚫ | {{Good|Last 4 digits only}}<ref name="Equifax Core Credit" />
⚫ | {{Yes|VantageScore 3.0}}<ref name="Equifax Core Credit" />
⚫ |-
| ] Free Credit Score Plan
⚫ | Monthly summary<ref name="FICO">{{cite web|url=https://www.myfico.com/products/fico-free-plan-b|title=Free Credit Score Plan-FICO|date=2022|publisher=}}</ref>
⚫ | Equifax<ref name="FICO"/>
⚫ | {{Bad|Yes}}<ref name="FICO"/>
⚫ | {{Yes|FICO 8 Score}}<ref name="FICO"/>
|- |-
| ] | ]
Line 73: Line 81:
|- |-
| my] | my]
| Monthly full report<ref name="myBankrate">{{cite web|url=https://my.bankrate.com/|title=Get Your Free Credit Report and Credit Score Here|first=|last=myBankrate|website=myBankrate}}</ref> | Monthly full report<ref name="myBankrate">{{cite web|url=https://my.bankrate.com/|title=Get Your Free Credit Report and Credit Score Here|last=myBankrate|website=myBankrate}}</ref>
| TransUnion<ref name="myBankrate" /> | TransUnion<ref name="myBankrate" />
| {{Good|Last 4 digits only}} | {{Good|Last 4 digits only}}
Line 79: Line 87:
|- |-
| MyCredit Guide by ] | MyCredit Guide by ]
| Weekly full report<ref name="MyCreditGuide">{{Cite web|url=https://www.americanexpress.com/us/credit-cards/features-benefits/free-credit-score/faq.html|title=Frequently asked questions – MyCredit Guide {{!}} American Express|website=www.americanexpress.com|language=en-US|access-date=2018-06-05}}</ref> | Weekly full report<ref name="MyCreditGuide">{{Cite web|url=https://www.americanexpress.com/us/credit-cards/features-benefits/free-credit-score/faq.html|title=Frequently asked questions – MyCredit Guide {{!}} American Express|website=www.americanexpress.com|language=en-US|access-date=2018-06-05}}</ref>
|TransUnion<ref name="MyCreditGuide" /> |TransUnion<ref name="MyCreditGuide" />
| {{Good|Last 4 digits only}} | {{Good|Last 4 digits only}}
Line 90: Line 98:
| {{Yes|VantageScore 3.0}}<ref name="NerdWallet" /> | {{Yes|VantageScore 3.0}}<ref name="NerdWallet" />
|- |-
| ] | Nav
| Every 30 days | Every 30 days
| Experian and Dun & Bradstreet<ref name=Balance /> | Experian and ]<ref name=Balance />
| {{Bad|Yes}}
|
| VantageScore, Experian and TransUnion<ref name=Balance>https://www.thebalance.com/how-to-check-and-improve-your-credit-scores-4705937</ref> | {{Yes|VantageScore 3.0}}<ref name=Balance>{{Cite web|url=https://www.thebalance.com/how-to-check-and-improve-your-credit-scores-4705937|title=How Credit Scores Work and What They Say About You}}</ref>
|- |-
| ] TrueIdentity
| QLCredit by ]
| Monthly full report
| Biweekly full report<ref name="QLCredit">{{cite web|url=http://www.qlcredit.com|title=QLCredit|publisher=}}</ref>
| TransUnion<ref name="QLCredit" /> | TransUnion
| {{Good|Last 4 digits only}}
| {{Bad|Yes}}<ref name="QLCredit" />
⚫ | {{Yes|VantageScore 3.0}}<ref name="VantageScore.com" />
⚫ |-
| ] by ]
| Quarterly full report<ref name="Quizzle">{{cite web|url=http://www.quizzle.com|title=I just got my free credit report and score at Quizzle.com|first=|last=Quizzle|website=Quizzle}}</ref>
⚫ | TransUnion<ref name="Quizzle" />
⚫ | {{Good|Last 4 digits only}}<ref name="Quizzle" />
| {{Yes|VantageScore 3.0}}<ref name="VantageScore.com" /> | {{Yes|VantageScore 3.0}}<ref name="VantageScore.com" />
|- |-
Line 117: Line 119:
==See also== ==See also==
* ] * ]
* ]
* ] * ]


==References== ==References==
{{Reflist}} {{Reflist}}

] ]

Latest revision as of 05:55, 23 December 2024

The following chart compares websites that provide United States credit reports or credit scores free of charge. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of credit reports are included, and whether a full Social Security number is needed.

According to the Federal Trade Commission, "AnnualCreditReport.com is the only authorized source for the free annual credit report." Care should be taken when providing a full Social Security number to any other website.

Comparison of free credit monitoring websites
Name Frequency Credit bureau(s) Full SSN required? Scoring model
AnnualCreditReport.com Annual full official report (one from each agency) Equifax, Experian, TransUnion Yes No score provided
CreditCards.com by Bankrate Monthly full report TransUnion Last 4 digits only VantageScore 3.0
CreditWise Capital by Capital One Weekly full report TransUnion Yes VantageScore 3.0
CreditWorks Basic by Experian Monthly full report Experian Yes FICO 8 Score
Credit Journey by Chase Weekly summary TransUnion Yes VantageScore 3.0
Credit Karma Daily TransUnion & Daily Equifax full reports TransUnion, Equifax Sometimes VantageScore 3.0
Credit Sesame Monthly summary TransUnion Last 4 digits only VantageScore 3.0
Equifax Core Credit Monthly summary Equifax Last 4 digits only VantageScore 3.0
FICO Free Credit Score Plan Monthly summary Equifax Yes FICO 8 Score
LendingTree Monthly summary TransUnion Last 4 digits only VantageScore 3.0
Mint by Intuit Monthly summary TransUnion Yes VantageScore 3.0
myBankrate Monthly full report TransUnion Last 4 digits only VantageScore 3.0
MyCredit Guide by American Express Weekly full report TransUnion Last 4 digits only VantageScore 3.0
NerdWallet Weekly full report TransUnion Last 4 digits only VantageScore 3.0
Nav Every 30 days Experian and Dun & Bradstreet Yes VantageScore 3.0
TransUnion TrueIdentity Monthly full report TransUnion Last 4 digits only VantageScore 3.0
WalletHub Daily full report TransUnion Last 4 digits only VantageScore 3.0

See also

References

  1. The Federal Trade Commission's Information on Free Annual Credit Reports.
  2. "Can you join a class action suit if you use Equifax's free identity theft protection?". 8 September 2017.
  3. ^ "Annual Credit Report.com - Home Page". www.annualcreditreport.com.
  4. ^ CreditCards.com. "I just got my free credit report and score at CreditCards.com". my.creditcards.com.
  5. ^ "Monitor Your Credit With CreditWise - Capital One". www.capitalone.com.
  6. ^ "Free Credit Score - Get Your FICO® Score: No Credit Card Needed". www.freecreditscore.com.
  7. ^ "Free Credit Score - Credit Journey - Chase.com". creditcards.chase.com.
  8. ^ "Free Credit Score & Free Credit Reports With Monitoring - Credit Karma". www.creditkarma.com.
  9. "Why is Credit Karma asking for my entire SSN?".
  10. ^ "Free score providers -". your.vantagescore.com.
  11. ^ "Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame". 28 February 2017.
  12. ^ "Monthly Credit Score & Report - Equifax Core Credit - Equifax". 21 August 2020.
  13. ^ "Free Credit Score Plan-FICO". 2022.
  14. ^ "LendingTree - 1-800-310-1860". LendingTree.
  15. ^ "Mint: Money, Bill Pay, Credit Score & Investing". Mint.
  16. "help.mint.com".
  17. ^ myBankrate. "Get Your Free Credit Report and Credit Score Here". myBankrate.
  18. ^ "Frequently asked questions – MyCredit Guide | American Express". www.americanexpress.com. Retrieved 2018-06-05.
  19. ^ "Credit score - NerdWallet". www.nerdwallet.com.
  20. ^ "How Credit Scores Work and What They Say About You".
  21. ^ "100% Free Credit Report, Updated Daily – WalletHub". WalletHub.
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