| Revision as of 11:11, 29 December 2018 editMichipedian (talk | contribs)Extended confirmed users24,446 editsm link fix← Previous edit | Revision as of 14:13, 29 December 2018 edit undoMichipedian (talk | contribs)Extended confirmed users24,446 editsm Michipedian moved page Comparison of free credit report and credit score websites to Comparison of free credit monitoring websites: Upon further thought, "credit monitoring" is more concise and covers both credit reports and credit scores.Next edit → |
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Revision as of 14:13, 29 December 2018
The following chart compares websites that provide U.S. credit reports or credit scores for free. 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.
| Name | Frequency | Credit bureau | Full SSN required? | Scoring model |
|---|---|---|---|---|
| AnnualCreditReport.com | Annual full official report (one from each agency) | Equifax, Experian, TransUnion | Yes | No score provided |
| Credit.com | Monthly summary | Experian | Yes | VantageScore 3.0, Experian's National Equivalency Score |
| CreditCards.com by Bankrate | Monthly full report | TransUnion | Last 4 digits only | VantageScore 3.0 |
| CreditWise by Capital One | Weekly full report | TransUnion | Yes | VantageScore 3.0 |
| CreditWorks Basic by Experian | Monthly full report | Experian | Last 4 digits only | FICO 8 |
| Credit Journey by Chase | Weekly summary | TransUnion | Yes | VantageScore 3.0 |
| Credit Karma | Weekly full reports | TransUnion, Equifax | Sometimes | VantageScore 3.0 |
| Credit Scorecard by Discover | Monthly summary | Experian | Yes | FICO 8 |
| Credit Sesame | Monthly summary | TransUnion | Last 4 digits only | VantageScore 3.0 |
| LendingTree | Monthly summary | TransUnion | Last 4 digits only | VantageScore 3.0 |
| Mint by Intuit | Monthly summary | TransUnion | Yes | VantageScore 3.0 |
| MoneyLion | 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 |
| SavvyMoney | Monthly summary | TransUnion | Yes | VantageScore 3.0 |
| QLCredit by Quicken Loans | Biweekly full report | TransUnion | Yes | VantageScore 3.0 |
| Quizzle by Bankrate | Quarterly 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
- The Federal Trade Commission's Information on Free Annual Credit Reports.
- "Can you join a class action suit if you use Equifax's free identity theft protection?".
- ^ "Annual Credit Report.com - Home Page". www.annualcreditreport.com.
- ^ "Check Your Credit & Make Smarter Financial Decisions". Credit.com.
- ^ "Free score providers -". your.vantagescore.com.
- ^ CreditCards.com. "I just got my free credit report and score at CreditCards.com". my.creditcards.com.
- ^ "Monitor Your Credit With CreditWise - Capital One". www.capitalone.com.
- ^ "Free Credit Score - Get Your FICO® Score: No Credit Card Needed". www.freecreditscore.com.
- ^ "Free Credit Score - Credit Journey - Chase.com". creditcards.chase.com.
- ^ "Free Credit Score & Free Credit Reports With Monitoring - Credit Karma". www.creditkarma.com.
- "Why is Credit Karma asking for my entire SSN?".
- ^ "Free Credit Score – FICO® Credit Score Card - Discover". www.discover.com.
- ^ "Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame". 28 February 2017.
- ^ "LendingTree - 1-800-310-1860". LendingTree.
- ^ "Mint: Money, Bill Pay, Credit Score & Investing". Mint.
- "help.mint.com".
- "MoneyLion - We help you achieve financial wellness". MoneyLion.
- ^ myBankrate. "Get Your Free Credit Report and Credit Score Here". myBankrate.
- ^ "Frequently asked questions – MyCredit Guide | American Express". www.americanexpress.com. Retrieved 2018-06-05.
- ^ "Credit score - NerdWallet". www.nerdwallet.com.
- ^ "Check your Credit Score - SavvyMoney". www.savvymoney.com.
- ^ "QLCredit".
- ^ Quizzle. "I just got my free credit report and score at Quizzle.com". Quizzle.
- ^ "100% Free Credit Report, Updated Daily – WalletHub". WalletHub.