Comparison of free credit report websites

The following chart compares free credit report websites, including 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."[1]

Comparison of free credit report websites
Name/Website Cost of credit report Cost of credit score Credit card required? Social Security Number required? Report type Score type
AnnualCreditReport.com Free; one from each agency every 12 months [2] FICO score (Equifax) = $7.95; Experian score = $7.95; TransUnion score = $7.95[2] Yes[2] Yes[2][2] Equifax, Experian & Transunion [2][2] FICO (from Equifax), Experian & Transunion [2]
Credit Karma Free proprietary credit report card [3] Free; once daily [3] No [3] Yes [3] Transunion (bare) [3] Transunion [3]
Credit Sesame Free experian credit report card [4] Free; once monthly [4] No [4] Yes [4] Experian (bare) [4] Experian's National Equivalency Score [4]
Equifax Free with free 30-day credit-monitoring trial; $14.95/mo. after trial [5][6] Free; one-time [5][6] Yes[5] Yes[5] Equifax, Experian & Transunion [5][6] FICO [5][6]
FreeCreditReport.com Free with free 7-day credit-monitoring trial; $14.95/mo. after trial [6][7] Free; one-time [6][7] Yes[7] Yes[7] Experian [6][7] Experian [6][7]
Freescore.com Free with refundable $1 processing fee and free 7-day trial; $29.95/mo. after trial [8][9] Free; one-time [8][9] Yes [8] Yes [8] Equifax, Experian & Transunion [8] Equifax, Experian & Transunion [9]
Identity Guard Free with free 30-day identity theft protection trial; $14.99/mo. after trial [6][10] Free; one-time [6][10] Yes[10] Yes[10] Equifax, Experian & Transunion [6][10] Equifax, Experian & Transunion [6][10]
MyFICO.com Free with free 10-day credit-monitoring trial; $14.95/mo. after trial [11] Free; one-time [11] Yes[11] Yes[11] Equifax [11] FICO [11]
Quizzle Free; once every 6 months[12] Free; once every 6 months[12] No[12] No[12] Experian [12] CE [12]
True Credit Free with free 30-day credit-monitoring trial; $14.95/mo. after trial [13] Free; one-time [13] Yes[13] Yes, last 4 digits [13] Equifax, Experian & Transunion [13] Transunion [13]

See also

References


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