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Comparison of free credit monitoring services

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The following chart compares websites that provide United States credit reports or credit scores free of charge. 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.

NameFrequencyCredit bureau(s)Full SSN required?Scoring model
AnnualCreditReport.comurl=http://www.annualcreditreport.comtitle=Annual Credit Report.com - Home Pagewebsite=www.annualcreditreport.com}}Equifax, Experian, TransUnion
CreditCards.com by Bankrateurl=https://my.creditcards.comtitle=I just got my free credit report and score at CreditCards.comlast=CreditCards.comwebsite=my.creditcards.com}}TransUnion
CreditWise by Capital Oneurl=https://www.capitalone.com/creditwise/title=Free Credit Score, Credit Report & Monitoringwebsite=www.capitalone.com}}TransUnion
CreditWorks Basic by Experianurl=http://www.freecreditscore.comtitle=Free Credit Score - Get Your FICO® Score: No Credit Card Needed.website=www.freecreditscore.com}}Experian
Credit Journey by Chaseurl=https://creditcards.chase.com/free-credit-scoretitle=Free Credit Score - Credit Journey - Chase.comwebsite=creditcards.chase.com}}TransUnion
Credit Karmaurl=http://www.creditkarma.comtitle=Free Credit Score & Free Credit Reports With Monitoring - Credit Karmawebsite=www.creditkarma.com}}TransUnion, Equifax
Credit Sesameurl=https://www.creditsesame.com/blog/credit/what-credit-score-we-use/title=Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesamedate=28 February 2017publisher=}}TransUnion
Equifax Core Crediturl=https://www.equifax.com/personal/products/credit/free-credit-score/title=Monthly Credit Score & Report - Equifax Core Credit - Equifaxdate=21 August 2020publisher=}}Equifax
FICO Free Credit Score Planurl=https://www.myfico.com/products/fico-free-plan-btitle=Free Credit Score Plan-FICOdate=2022publisher=}}Equifax
LendingTreeurl=http://www.lendingtree.comtitle=LendingTree - 1-800-310-1860website=LendingTree}}TransUnion
Mint by Intuiturl=https://www.mint.comtitle=Mint: Money, Bill Pay, Credit Score & Investingwebsite=Mint}}TransUnion
myBankrateurl=https://my.bankrate.com/title=Get Your Free Credit Report and Credit Score Herelast=myBankratewebsite=myBankrate}}TransUnion
MyCredit Guide by American Expressurl=https://www.americanexpress.com/us/credit-cards/features-benefits/free-credit-score/faq.htmltitle=Frequently asked questions – MyCredit Guide American Expresswebsite=www.americanexpress.comlanguage=en-USaccess-date=2025-01-19}}Experian
NerdWalleturl=https://www.nerdwallet.com/blog/free-credit-score-and-report/title=Credit score - NerdWalletwebsite=www.nerdwallet.com}}TransUnion
NavEvery 30 daysExperian and Dun & Bradstreet
TransUnion TrueIdentityMonthly full reportTransUnion
WalletHuburl=https://wallethub.com/free-credit-report/title=100% Free Credit Report, Updated Daily – WalletHubwebsite=WalletHub}}TransUnion

References

References

  1. [http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml The Federal Trade Commission's Information on Free Annual Credit Reports].
  2. (8 September 2017). "Can you join a class action suit if you use Equifax's free identity theft protection?".
  3. "Annual Credit Report.com - Home Page".
  4. CreditCards.com. "I just got my free credit report and score at CreditCards.com".
  5. "Free Credit Score, Credit Report & Monitoring".
  6. "Free Credit Score - Get Your FICO® Score: No Credit Card Needed.".
  7. "Free Credit Score - Credit Journey - Chase.com".
  8. "Free Credit Score & Free Credit Reports With Monitoring - Credit Karma".
  9. "Why is Credit Karma asking for my entire SSN?".
  10. "Free score providers -".
  11. (28 February 2017). "Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame".
  12. (21 August 2020). "Monthly Credit Score & Report - Equifax Core Credit - Equifax".
  13. (2022). "Free Credit Score Plan-FICO".
  14. "LendingTree - 1-800-310-1860".
  15. "Mint: Money, Bill Pay, Credit Score & Investing".
  16. "help.mint.com".
  17. myBankrate. "Get Your Free Credit Report and Credit Score Here".
  18. "Frequently asked questions – MyCredit Guide {{!}} American Express".
  19. "Credit score - NerdWallet".
  20. "How Credit Scores Work and What They Say About You".
  21. "100% Free Credit Report, Updated Daily – WalletHub".
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