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Revision as of 09:36, 29 December 2018 by Michipedian (talk | contribs) (added significant links)(diff) ← Previous revision | Latest revision (diff) | Newer revision → (diff)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's 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 |
| CreditCards.com by Bankrate | Monthly full report | TransUnion | Last 4 digits only | VantageScore 3.0 |
| Credit.com | Monthly summary | Experian | Yes | VantageScore 3.0, Experian's National Equivalency Score |
| 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 |
| 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 |
| 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 | 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.
- ^ CreditCards.com. "I just got my free credit report and score at CreditCards.com". my.creditcards.com.
- ^ "Check Your Credit & Make Smarter Financial Decisions". Credit.com.
- ^ "Free score providers -". your.vantagescore.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.
- ^ "Monitor Your Credit With CreditWise - Capital One". www.capitalone.com.
- ^ "Free Credit Score - Get Your FICO® Score: No Credit Card Needed". www.freecreditscore.com.
- ^ "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.