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Comparison of free credit monitoring services: Difference between revisions

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The following chart compares websites that provide U.S. credit reports and/or credit scores for free. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what's free and what kind of ] are included. The following chart compares websites that provide U.S. credit reports and/or credit scores for free. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what's free and what kind of ] are included.

According to the ], "] is the ONLY authorized source for the free annual credit report."<ref>''''.</ref> According to the ], "] is the ONLY authorized source for the free annual credit report."<ref>''''.</ref><ref>https://www.theverge.com/2017/9/8/16276572/equifax-hack-protection-class-action-lawsuit-terms-of-service</ref>


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Revision as of 18:12, 11 September 2017

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The following chart compares websites that provide U.S. credit reports and/or credit scores for free. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what's free and what kind of credit reports are included.

According to the Federal Trade Commission, "AnnualCreditReport.com is the ONLY authorized source for the free annual credit report."

Comparison of free credit report and credit score websites
Name URL Frequency Credit bureau Full SSN required? Score provided? Scoring model
AnnualCreditReport.com https://www.annualcreditreport.com/ Annual full official report (one from each agency) Equifax, Experian, TransUnion Yes No N/A
CreditCards.com by Bankrate https://www.creditcards.com Monthly full report TransUnion Last 4 digits only Yes VantageScore 3.0
Credit.com https://www.credit.com/ Monthly summary Experian Yes Yes VantageScore 3.0, Experian's National Equivalency Score
Credit Journey by Chase https://creditcards.chase.com/free-credit-score Weekly summary TransUnion Yes Yes VantageScore 3.0
Credit Karma https://www.creditkarma.com/ Weekly full reports TransUnion, Equifax Last 4 digits only Yes VantageScore 3.0
Credit Scorecard by Discover https://www.creditscorecard.com/ Monthly summary Experian Yes Yes FICO 8
Credit Sesame https://www.creditsesame.com/ Monthly summary TransUnion Last 4 digits only Yes VantageScore 3.0
CreditWise by Capital One https://creditwise.capitalone.com/ Weekly full report TransUnion Yes Yes VantageScore 3.0
CreditWorks Basic by Experian http://www.freecreditscore.com/ Monthly full report Experian Yes Yes FICO 8
LendingTree https://www.lendingtree.com/ Monthly summary TransUnion Last 4 digits only Yes VantageScore 3.0
Mint by Intuit https://www.mint.com/ Monthly summary TransUnion Yes Yes VantageScore 3.0
MoneyLion https://www.moneylion.com/ Monthly summary TransUnion Yes Yes VantageScore 3.0
myBankrate https://my.bankrate.com/ Monthly full report TransUnion Last 4 digits only Yes VantageScore 3.0
NerdWallet https://www.nerdwallet.com/ Weekly full report TransUnion Last 4 digits only Yes VantageScore 3.0
SavvyMoney https://www.savvymoney.com/ Monthly summary TransUnion Yes Yes VantageScore 3.0
QLCredit https://www.qlcredit.com/ Biweekly full report TransUnion Yes Yes VantageScore 3.0
Quizzle by Bankrate https://www.quizzle.com/ Quarterly full report TransUnion Last 4 digits only Yes VantageScore 3.0
WalletHub https://wallethub.com/ Daily full report TransUnion Last 4 digits only Yes VantageScore 3.0

See also

References

  1. The Federal Trade Commission's Information on Free Annual Credit Reports.
  2. https://www.theverge.com/2017/9/8/16276572/equifax-hack-protection-class-action-lawsuit-terms-of-service
  3. ^ AnnualCreditReport.com
  4. ^ My.CreditCards.com
  5. ^ Credit.com
  6. ^
  7. ^
  8. ^ Credit Karma
  9. ^ Discover Credit Scorecard
  10. ^ Credit Sesame
  11. ^ Credit Wise from Capital One
  12. ^ Experian
  13. ^ LendingTree
  14. ^ Mint.com
  15. help.mint.com
  16. ^ MoneyLion
  17. ^ myBankrate
  18. ^ NerdWallet
  19. ^ SavvyMoney.com
  20. ^ QLCredit
  21. ^ Quizzle
  22. ^ WalletHub
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