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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."[http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml The Federal Trade Commission's Information on Free Annual Credit Reports].{{cite web|url=https://www.theverge.com/2017/9/8/16276572/equifax-hack-protection-class-action-lawsuit-terms-of-service|title=Can you join a class action suit if you use Equifax's free identity theft protection?|date=8 September 2017|publisher=}} Care should be taken when providing a full Social Security number to any other website.

class="wikitable sortable"

|+ 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){{cite web|url=http://www.annualcreditreport.com|title=Annual Credit Report.com - Home Page|website=www.annualcreditreport.com}}

| Equifax, Experian, TransUnion

| {{Bad|Yes}}

| {{Bad|No score provided}}

CreditCards.com by Bankrate

| Monthly full report{{cite web|url=https://my.creditcards.com|title=I just got my free credit report and score at CreditCards.com|last=CreditCards.com|website=my.creditcards.com}}

| TransUnion

| {{Good|Last 4 digits only}}

| {{Yes|VantageScore 3.0}}

CreditWise by Capital One

| Daily full report{{cite web|url=https://www.capitalone.com/creditwise/|title=Free Credit Score, Credit Report & Monitoring|website=www.capitalone.com}}

| TransUnion

| {{Bad|Yes}}

| {{Yes|FICO 8 Score}}

CreditWorks Basic by Experian

|Daily full report{{cite web|url=http://www.freecreditscore.com|title=Free Credit Score - Get Your FICO® Score: No Credit Card Needed.|website=www.freecreditscore.com}}

| Experian

| {{Bad|Yes}}

| {{Yes|FICO 8 Score}}

Credit Journey by Chase

| Weekly summary{{cite web|url=https://creditcards.chase.com/free-credit-score|title=Free Credit Score - Credit Journey - Chase.com|website=creditcards.chase.com}}

| TransUnion

| {{Bad|Yes}}

| {{Yes|VantageScore 3.0}}

Credit Karma

| Daily TransUnion & Daily Equifax full reports{{cite web|url=http://www.creditkarma.com|title=Free Credit Score & Free Credit Reports With Monitoring - Credit Karma|website=www.creditkarma.com}}

| TransUnion, Equifax

| {{Good|Sometimes}}{{cite web|url=https://www.creditkarma.com/question/why-is-credit-karma-asking-for-my-entire-ssn|title=Why is Credit Karma asking for my entire SSN?}}

| {{Yes|VantageScore 3.0}}{{cite web|url=http://your.vantagescore.com/free|title=Free score providers -|website=your.vantagescore.com}}

Credit Sesame

| Monthly summary{{cite web|url=https://www.creditsesame.com/blog/credit/what-credit-score-we-use/|title=Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame|date=28 February 2017|publisher=}}

| TransUnion

| {{Good|Last 4 digits only}}

| {{Yes|VantageScore 3.0}}

Equifax Core Credit

| Monthly summary{{cite web|url=https://www.equifax.com/personal/products/credit/free-credit-score/|title=Monthly Credit Score & Report - Equifax Core Credit - Equifax|date=21 August 2020|publisher=}}

| Equifax

| {{Good|Last 4 digits only}}

| {{Yes|VantageScore 3.0}}

FICO Free Credit Score Plan

| Monthly summary{{cite web|url=https://www.myfico.com/products/fico-free-plan-b|title=Free Credit Score Plan-FICO|date=2022|publisher=}}

| Equifax

| {{Bad|Yes}}

| {{Yes|FICO 8 Score}}

LendingTree

| Monthly summary{{cite web|url=http://www.lendingtree.com|title=LendingTree - 1-800-310-1860|website=LendingTree}}

| TransUnion

| {{Good|Last 4 digits only}}

| {{Yes|VantageScore 3.0}}

Mint by Intuit

| Monthly summary{{cite web|url=https://www.mint.com|title=Mint: Money, Bill Pay, Credit Score & Investing|website=Mint}}

| TransUnion

| {{Bad|Yes}}

| {{Yes|VantageScore 3.0}}{{cite web|url=http://help.mint.com/991928181/Credit-Score-TransUnion-Update.htm|title=help.mint.com|publisher=}}

myBankrate

| Monthly full report{{cite web|url=https://my.bankrate.com/|title=Get Your Free Credit Report and Credit Score Here|last=myBankrate|website=myBankrate}}

| TransUnion

| {{Good|Last 4 digits only}}

| {{Yes|VantageScore 3.0}}

MyCredit Guide by American Express

| Weekly full report{{Cite web|url=https://www.americanexpress.com/us/credit-cards/features-benefits/free-credit-score/faq.html|title=Frequently asked questions – MyCredit Guide {{!}} American Express|website=www.americanexpress.com|language=en-US|access-date=2025-01-19}}

|Experian

| {{Good|Last 4 digits only}}

| {{Yes|FICO 8 Score}}

NerdWallet

| Weekly full report{{cite web|url=https://www.nerdwallet.com/blog/free-credit-score-and-report/|title=Credit score - NerdWallet|website=www.nerdwallet.com}}

|TransUnion

| {{Good|Last 4 digits only}}

| {{Yes|VantageScore 3.0}}

Nav

| Every 30 days

| Experian and Dun & Bradstreet

| {{Bad|Yes}}

| {{Yes|VantageScore 3.0}}{{Cite web|url=https://www.thebalance.com/how-to-check-and-improve-your-credit-scores-4705937|title=How Credit Scores Work and What They Say About You}}

TransUnion TrueIdentity

| Monthly full report

| TransUnion

| {{Good|Last 4 digits only}}

| {{Yes|VantageScore 3.0}}

WalletHub

| Daily full report{{cite web|url=https://wallethub.com/free-credit-report/|title=100% Free Credit Report, Updated Daily – WalletHub|website=WalletHub}}

| TransUnion

| {{Good|Last 4 digits only}}

| {{Yes|VantageScore 3.0}}

See also

References

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Category:Credit