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."[1][2] Care should be taken when providing a full Social Security number to any other website.

Comparison of free credit monitoring websites
Name Frequency Credit bureau(s) 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]
CreditWise by Capital One Weekly full report[5] TransUnion[5] Yes[5] VantageScore 3.0[5]
CreditWorks Basic by Experian Monthly full report[6] Experian Yes[6] FICO 8[6]
Credit Journey by Chase Weekly summary[7] TransUnion[7] Yes[7] VantageScore 3.0[7]
Credit Karma Daily TransUnion & Daily Equifax full reports[8] TransUnion, Equifax[8] Sometimes[9] VantageScore 3.0[10]
Credit Sesame Monthly summary[11] TransUnion[11] Last 4 digits only[11] VantageScore 3.0[11]
Equifax Core Credit Monthly summary[12] Equifax Last 4 digits only[12] VantageScore 3.0[12]
LendingTree Monthly summary[13] TransUnion[13] Last 4 digits only[13] VantageScore 3.0[10]
Mint by Intuit Monthly summary[14] TransUnion[14] Yes[14] VantageScore 3.0[15]
myBankrate Monthly full report[16] TransUnion[16] Last 4 digits only VantageScore 3.0[16]
MyCredit Guide by American Express Weekly full report[17] TransUnion[17] Last 4 digits only VantageScore 3.0[17]
NerdWallet Weekly full report[18] TransUnion[18] Last 4 digits only[18] VantageScore 3.0[18]
Nav Every 30 days Experian and Dun & Bradstreet[19] Yes VantageScore 3.0[19]
TransUnion TrueIdentity Monthly full report TransUnion Last 4 digits only VantageScore 3.0[10]
WalletHub Daily full report[20] TransUnion[20] Last 4 digits only[20] VantageScore 3.0[10]

See also

References

  1. ↑ The Federal Trade Commission's Information on Free Annual Credit Reports.
  2. ↑ "Can you join a class action suit if you use Equifax's free identity theft protection?". 8 September 2017.
  3. 1 2 3 "Annual Credit Report.com - Home Page". www.annualcreditreport.com.
  4. 1 2 3 CreditCards.com. "I just got my free credit report and score at CreditCards.com". my.creditcards.com.
  5. 1 2 3 4 "Monitor Your Credit With CreditWise - Capital One". www.capitalone.com.
  6. 1 2 3 "Free Credit Score - Get Your FICO® Score: No Credit Card Needed". www.freecreditscore.com.
  7. 1 2 3 4 "Free Credit Score - Credit Journey - Chase.com". creditcards.chase.com.
  8. 1 2 "Free Credit Score & Free Credit Reports With Monitoring - Credit Karma". www.creditkarma.com.
  9. ↑ "Why is Credit Karma asking for my entire SSN?".
  10. 1 2 3 4 "Free score providers -". your.vantagescore.com.
  11. 1 2 3 4 "Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame". 28 February 2017.
  12. 1 2 3 "Monthly Credit Score & Report - Equifax Core Credit - Equifax". 21 August 2020.
  13. 1 2 3 "LendingTree - 1-800-310-1860". LendingTree.
  14. 1 2 3 "Mint: Money, Bill Pay, Credit Score & Investing". Mint.
  15. ↑ "help.mint.com".
  16. 1 2 3 myBankrate. "Get Your Free Credit Report and Credit Score Here". myBankrate.
  17. 1 2 3 "Frequently asked questions – MyCredit Guide | American Express". www.americanexpress.com. Retrieved 2018-06-05.
  18. 1 2 3 4 "Credit score - NerdWallet". www.nerdwallet.com.
  19. 1 2 "How Credit Scores Work and What They Say About You".
  20. 1 2 3 "100% Free Credit Report, Updated Daily – WalletHub". WalletHub.
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