Comparison of free credit report websites
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, 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."[1][2] 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) [3] | Equifax, Experian, TransUnion[3] | Yes[3] | No score provided |
CreditCards.com by Bankrate | Monthly full report[4] | TransUnion[4] | Last 4 digits only | VantageScore 3.0[4] |
Credit.com | Monthly summary[5] | Experian[5] | Yes[5] | VantageScore 3.0[6], Experian's National Equivalency Score[5] |
Credit Journey by Chase | Weekly summary[7] | TransUnion[7] | Yes[7] | VantageScore 3.0[7] |
Credit Karma | Weekly full reports[8] | TransUnion, Equifax[8] | Last 4 digits only[8] | VantageScore 3.0[6] |
Credit Scorecard by Discover | Monthly summary[9] | TransUnion | Yes[9] | FICO 8[9] |
Credit Sesame | Monthly summary[10] | TransUnion[10] | Last 4 digits only[10] | VantageScore 3.0[10] |
CreditWise by Capital One | Weekly full report[11] | TransUnion[11] | Yes[11] | VantageScore 3.0[11] |
CreditWorks Basic by Experian | Monthly full report[12] | Experian | Last 4 digits only[12] | FICO 8[12] |
LendingTree | Monthly summary[13] | TransUnion[13] | Last 4 digits only[13] | VantageScore 3.0[6] |
Mint by Intuit | Monthly summary[14] | TransUnion[14] | Yes[14] | VantageScore 3.0[15] |
MoneyLion | Monthly summary[16] | TransUnion[13] | Yes[13] | VantageScore 3.0[6] |
myBankrate | Monthly full report[17] | TransUnion[17] | Last 4 digits only | VantageScore 3.0[17] |
MyCredit Guide by American Express | Weekly full report[18] | TransUnion[18] | Last 4 digits only | VantageScore 3.0[18] |
NerdWallet | Weekly full report[19] | TransUnion[19] | Last 4 digits only[19] | VantageScore 3.0[19] |
SavvyMoney | Monthly summary[20] | TransUnion[20] | Yes[20] | VantageScore 3.0[20] |
QLCredit | Biweekly full report[21] | TransUnion[21] | Yes[21] | VantageScore 3.0[6] |
Quizzle by Bankrate | Quarterly full report[22] | TransUnion[22] | Last 4 digits only[22] | VantageScore 3.0[6] |
WalletHub | Daily full report[23] | TransUnion[23] | Last 4 digits only[23] | VantageScore 3.0[6] |
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?".
- 1 2 3 "Annual Credit Report.com - Home Page". www.annualcreditreport.com.
- 1 2 3 CreditCards.com. "I just got my free credit report and score at CreditCards.com". my.creditcards.com.
- 1 2 3 4 "Check Your Credit & Make Smarter Financial Decisions". Credit.com.
- 1 2 3 4 5 6 7 "Free score providers -". your.vantagescore.com.
- 1 2 3 4 "Free Credit Score - Credit Journey - Chase.com". creditcards.chase.com.
- 1 2 3 "Free Credit Score & Free Credit Reports With Monitoring - Credit Karma". www.creditkarma.com.
- 1 2 3 "Free Credit Score – FICO® Credit Score Card - Discover". www.discover.com.
- 1 2 3 4 "Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame". 28 February 2017.
- 1 2 3 4 "Monitor Your Credit With CreditWise - Capital One". www.capitalone.com.
- 1 2 3 "Free Credit Score - Get Your FICO® Score: No Credit Card Needed". www.freecreditscore.com.
- 1 2 3 4 5 "LendingTree - 1-800-310-1860". LendingTree.
- 1 2 3 "Mint: Money, Bill Pay, Credit Score & Investing". Mint.
- ↑ "help.mint.com".
- ↑ "MoneyLion - We help you achieve financial wellness". MoneyLion.
- 1 2 3 myBankrate. "Get Your Free Credit Report and Credit Score Here". myBankrate.
- 1 2 3 "Frequently asked questions – MyCredit Guide | American Express". www.americanexpress.com. Retrieved 2018-06-05.
- 1 2 3 4 "Credit score - NerdWallet". www.nerdwallet.com.
- 1 2 3 4 "Check your Credit Score - SavvyMoney". www.savvymoney.com.
- 1 2 3 "QLCredit".
- 1 2 3 Quizzle. "I just got my free credit report and score at Quizzle.com". Quizzle.
- 1 2 3 "100% Free Credit Report, Updated Daily – WalletHub". WalletHub.
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