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The following chart compares websites that provide U.S. credit report and/or credit score for free. The chart specifies what's free and what kind of [[credit reports]] are included.
The following chart compares websites that provide U.S. credit reports and/or credit scores for free. The chart specifies 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."<ref>''[http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml The Federal Trade Commission's Information on Free Annual Credit Reports]''.</ref>
According to the [[Federal Trade Commission]], "[[AnnualCreditReport.com]] is the ONLY authorized source for the free annual credit report."<ref>''[http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml The Federal Trade Commission's Information on Free Annual Credit Reports]''.</ref>

Many credit card companies also provide free FICO credit scores to their customers.<ref>"[https://www.cafecredit.com/free-credit-score/ CafeCredit]''</ref>


{| class="wikitable sortable"
{| class="wikitable sortable"
Line 22: Line 24:
| {{No}}<ref name="AnnualCreditReport.com" />
| {{No}}<ref name="AnnualCreditReport.com" />
| {{Yes}}<ref name="AnnualCreditReport.com" />
| {{Yes}}<ref name="AnnualCreditReport.com" />
| Equifax, Experian, Transunion<ref name="AnnualCreditReport.com" />
| Equifax, Experian, TransUnion<ref name="AnnualCreditReport.com" />
|
|
|-
|-
| my[[Bankrate]]
|BankRate.com
|Free; once monthly
| Free; once monthly<ref name="myBankrate">[https://my.bankrate.com/ myBankrate]</ref>
|Free; once monthly
| Free; once monthly<ref name="myBankrate" />
| {{No}}<ref name="myBankrate" />
|No
⚫
|
|Transunion
|
|
⚫
| TransUnion<ref name="myBankrate" />
| VantageScore 3.0<ref name="myBankrate" />
|-
|-
|CompareCards.com
| Credit.com
⚫
| Free Experian credit report summary<ref name="Credit.com">[https://www.credit.com/free-credit-score/ Credit.com]</ref>
|Free; once monthly
|Free; once monthly
|No
⚫
|
|Transunion
|TransRisk Score
|-
| [[Credit.com]]
⚫
| Free proprietary credit report summary<ref name="Credit.com">[https://www.credit.com/free-credit-score/ Credit.com]</ref>
| Free; once every two weeks<ref name="Credit.com" />
| Free; once every two weeks<ref name="Credit.com" />
| {{No}}<ref name="Credit.com" />
| {{No}}<ref name="Credit.com" />
Line 49: Line 43:
| Experian's National Equivalency Score,<ref name="Credit.com" /> [[VantageScore]] 3.0<ref name="VantageScore.com">[http://your.vantagescore.com/free]</ref>
| Experian's National Equivalency Score,<ref name="Credit.com" /> [[VantageScore]] 3.0<ref name="VantageScore.com">[http://your.vantagescore.com/free]</ref>
|-
|-
| [[Credit Concierge]]
| Credit Concierge powered by CompareCards.com
| Free proprietary credit report summary<ref name="Credit Concierge">[https://concierge.comparecards.com/ Credit Concierge]</ref>
| Free; once monthly<ref name="Credit Concierge">[https://concierge.comparecards.com/ Credit Concierge]</ref>
| Free; once monthly<ref name="Credit Concierge" />
| Free; once monthly<ref name="Credit Concierge" />
| {{No}}<ref name="Credit Concierge" />
| {{No}}<ref name="Credit Concierge" />
| {{Yes}}<ref name="Credit Concierge" />
| {{Yes}}<ref name="Credit Concierge" />
| Transunion<ref name="Credit Concierge" />
| TransUnion<ref name="Credit Concierge" />
| TransRisk Score<ref name="Credit Concierge FAQs">[https://concierge.comparecards.com/faq Credit Concierge FAQs]</ref>
|
|-
|-
| [[Credit Karma]]
| [[Credit Karma]]
| Free reports from Equifax and TransUnion<ref name="Credit Karma">[http://www.creditkarma.com Credit Karma]</ref>
| Free reports from both Equifax and TransUnion; once weekly<ref name="Credit Karma">[http://www.creditkarma.com Credit Karma]</ref>
| Free; once weekly<ref name="Credit Karma" />
| Free; once weekly<ref name="Credit Karma" />
| {{No}}<ref name="Credit Karma" />
| {{No}}<ref name="Credit Karma" />
| {{some|Last 4 digits only}}<ref name="Credit Karma" />
| {{some|Last 4 digits only}}<ref name="Credit Karma" />
| Transunion,<ref name="Credit Karma" /> Equifax
| TransUnion, Equifax<ref name="Credit Karma" />
| VantageScore 3.0,<ref name="VantageScore.com" /><br>Transunion's TransRisk New Account score.<ref name="Credit Karma" />
| VantageScore 3.0,<ref name="VantageScore.com" />
|-
|-
| [[Credit Sesame]]
| [[Credit Sesame]]
Line 73: Line 67:
| VantageScore 3.0<ref name="Credit Sesame" />
| VantageScore 3.0<ref name="Credit Sesame" />
|-
|-
| [[Credit Wise]]
| CreditWise from [[Capital One]]
| Free TransUnion credit report summary<ref name="Credit Wise">[https://www.capitalone.com/credit-cards/benefits/creditwise/ Credit Wise ]</ref>
| Free TransUnion credit report summary<ref name="Credit Wise">[https://www.capitalone.com/credit-cards/benefits/creditwise/ Credit Wise from Capital One]</ref>
| Free; once weekly<ref name="Credit Wise" />
| Free; once weekly<ref name="Credit Wise" />
| {{No}}<ref name="Credit Wise" />
| {{No}}<ref name="Credit Wise" />
Line 81: Line 75:
| VantageScore 3.0<ref name="Credit Wise" />
| VantageScore 3.0<ref name="Credit Wise" />
|-
|-
| [[Discover CreditScoreCard]]
| [[Discover Financial | Discover]] Credit Scorecard
| Free proprietary credit report summary<ref name="Creditscorecard">[https://www.discover.com/free-credit-score]</ref>
| Free Experian credit report summary<ref name="Creditscorecard">[https://www.discover.com/free-credit-score Discover Credit Scorecard]</ref>
| Free; updated monthly<ref name="Creditscorecard" />
| Free; once monthly<ref name="Creditscorecard" />
| {{No}}<ref name="Creditscorecard" />
| {{No}}<ref name="Creditscorecard" />
| {{Yes}}<ref name="Creditscorecard" />
| {{Yes}}<ref name="Creditscorecard" />
Line 89: Line 83:
| FICO Score 8<ref name="Creditscorecard" />
| FICO Score 8<ref name="Creditscorecard" />
|-
|-
| FreeCreditScore.com<ref name="FreeCreditScore">[https://www.freecreditscore.com/ FreeCreditScore.com]</ref>
⚫
|FreeCreditScore.com
| Free; once monthly<ref name="FreeCreditScore" />
|Free report from Equifax; once every month
|Free; once every month
| Free; once monthly<ref name="FreeCreditScore" />
⚫
| {{No}}<ref name="FreeCreditScore" />
|No
| {{Yes}}<ref name="FreeCreditScore" />
|Yes
|Experian
| Experian<ref name="FreeCreditScore" />
|FICO Score 8
| FICO Score 8<ref name="FreeCreditScore" />
|-
|-
| [[HSBC]]
| [[HSBC]]
Line 106: Line 100:
|-
|-
| [[LendingTree]]
| [[LendingTree]]
| Free proprietary credit report summary<ref name="LendingTree">[http://www.lendingtree.com LendingTree]</ref>
| Free TransUnion credit report summary<ref name="LendingTree">[http://www.lendingtree.com LendingTree]</ref>
| Free; once every month<ref name="LendingTree" />
| Free; once monthly<ref name="LendingTree" />
| {{No}}<ref name="LendingTree" />
| {{No}}<ref name="LendingTree" />
| {{some|Last 4 digits only}}<ref name="LendingTree" />
| {{some|Last 4 digits only}}<ref name="LendingTree" />
| Transunion<ref name="LendingTree" />
| TransUnion<ref name="LendingTree" />
| VantageScore 3.0<ref name="VantageScore.com" />
| VantageScore 3.0<ref name="VantageScore.com" />
|-
|-
| [[Mint.com]]
| [[Mint.com]]
| Free proprietary credit report summary<ref name="Mint.com">[https://www.mint.com Mint.com]</ref>
| Free Equifax credit report summary<ref name="Mint.com">[https://www.mint.com Mint.com]</ref>
| Free; once every 3 months<ref name="Mint.com" />
| Free; once every 3 months<ref name="Mint.com" />
| {{No}}<ref name="Mint.com" />
| {{No}}<ref name="Mint.com" />
| {{Yes}}<ref name="Mint.com" />
| {{Yes}}<ref name="Mint.com" />
| Equifax<ref name="Mint.com" />
| Equifax<ref name="Mint.com" />
| Likely proprietary<ref name="Doctor of Credit">[http://www.doctorofcredit.com/mint-com-review-free-credit-score-report-monitoring/]</ref>
| Likely proprietary<ref name="Doctor of Credit">[http://www.doctorofcredit.com/mint-com-review-free-credit-score-report-monitoring/ Doctor of Credit]</ref>
|-
|-
|[[NerdWallet]]
| My.[[CreditCards.com]]
| Free; once monthly<ref name="My.CreditCards.com">[https://my.creditcards.com My.CreditCards.com]</ref>
⚫
|Free TransUnion credit report summary<ref name="Credit Wise" />
|Free; once weekly
| Free; once monthly<ref name="My.CreditCards.com" />
| {{No}}<ref name="My.CreditCards.com" />
|
|
|
| Equifax<ref name="My.CreditCards.com" />
|Transunion
| Vantage Score 3.0<ref name="My.CreditCards.com" />
|VantageScore 3.0
|-
|-
| [[Savvymoney.com]]
| [[NerdWallet]]
| Free proprietary credit report summary<ref name="Savvymoney.com">[https://www.Savvymoney.com Savvymoney.com]</ref>
| Free; once weekly<ref name="NerdWallet">[https://www.nerdwallet.com/blog/free-credit-score-and-report/ NerdWallet]</ref>
| Free; Free Score<ref name="Savvymoney.com" />
| Free; once weekly<ref name="NerdWallet" />
| {{No}}<ref name="Savvymoney.com" />
| {{No}}<ref name="NerdWallet" />
| {{Yes}}<ref name="Savvymoney.com" />
| {{some|Last 4 digits only}}<ref name="NerdWallet" />
| Equifax<ref name="Savvymoney.com" />
|TransUnion<ref name="NerdWallet" />
| Transunion<ref name="Savvymoney.com" />
|VantageScore 3.0<ref name="NerdWallet" />
⚫
|-
| SavvyMoney.com
| Free proprietary credit report summary<ref name="SavvyMoney.com">[https://www.savvymoney.com SavvyMoney.com]</ref>
| Free; once monthly<ref name="SavvyMoney.com" />
| {{No}}<ref name="SavvyMoney.com" />
| {{Yes}}<ref name="SavvyMoney.com" />
| Equifax<ref name="SavvyMoney.com" />
⚫
|
|-
|-
| [[Quicken Loans | QL]]Credit
| [[QLCredit]]
| Free; once every month<ref name="QLCredit">[http://www.qlcredit.com QLCredit]</ref>
| Free; once monthly<ref name="QLCredit">[http://www.qlcredit.com QLCredit]</ref>
| Free; once every month<ref name="QLCredit" />
| Free; once monthly<ref name="QLCredit" />
| {{no}}<ref name="QLCredit" />
| {{no}}<ref name="QLCredit" />
| {{yes}}<ref name="QLCredit" />
| {{yes}}<ref name="QLCredit" />
Line 150: Line 152:
| {{no}}<ref name="Quizzle" />
| {{no}}<ref name="Quizzle" />
| {{some|Last 4 digits only}}<ref name="Quizzle" />
| {{some|Last 4 digits only}}<ref name="Quizzle" />
| Transunion<ref name="Quizzle" />
| TransUnion<ref name="Quizzle" />
| VantageScore 3.0<ref name="VantageScore.com" />
| VantageScore 3.0<ref name="VantageScore.com" />
|-
|-
| [[WalletHub]]
| [[WalletHub]]
| Free proprietary credit report summary<ref name="WalletHub">[https://wallethub.com WalletHub]</ref>
| Free; once daily <ref name="WalletHub">[https://wallethub.com/free-credit-report/ WalletHub]</ref>
| Free; Daily<ref name="WalletHub" />
| Free; once daily <ref name="WalletHub" />
| {{No}}<ref name="WalletHub" />
| {{No}}<ref name="WalletHub" />
| {{some|Last 4 digits only}}<ref name="WalletHub" />
| {{some|Last 4 digits only}}<ref name="WalletHub" />
| Transunion<ref name="WalletHub" />
| TransUnion<ref name="WalletHub" />
| VantageScore 3.0<ref name="VantageScore.com" />
| VantageScore 3.0<ref name="VantageScore.com" />
|-
|-
| [[WisePiggy]]
| WisePiggy
| Free proprietary credit report summary<ref name="WisePiggy">[http://www.wisepiggy.com WisePiggy]</ref>
| Free TransUnion credit report summary<ref name="WisePiggy">[http://www.wisepiggy.com WisePiggy]</ref>
| Free; once monthly<ref name="WisePiggy" />
| Free; once monthly<ref name="WisePiggy" />
| {{No}}<ref name="WisePiggy" />
| {{No}}<ref name="WisePiggy" />

Revision as of 03:46, 23 January 2017

The following chart compares websites that provide U.S. credit reports and/or credit scores for free. The chart specifies 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]

Many credit card companies also provide free FICO credit scores to their customers.[2]

Comparison of free credit report and credit score 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[3] Not available No[3] Yes[3] Equifax, Experian, TransUnion[3]
myBankrate Free; once monthly[4] Free; once monthly[4] No[4] TransUnion[4] VantageScore 3.0[4]
Credit.com Free Experian credit report summary[5] Free; once every two weeks[5] No[5] Yes[5] None[5] Experian's National Equivalency Score,[5] VantageScore 3.0[6]
Credit Concierge powered by CompareCards.com Free; once monthly[7] Free; once monthly[7] No[7] Yes[7] TransUnion[7] TransRisk Score[8]
Credit Karma Free reports from both Equifax and TransUnion; once weekly[9] Free; once weekly[9] No[9] Last 4 digits only[9] TransUnion, Equifax[9] VantageScore 3.0,[6]
Credit Sesame Free TransUnion credit report summary; once every month[10] Free; once every month[10] No[10] Last 4 digits only[10] None[10] VantageScore 3.0[10]
CreditWise from Capital One Free TransUnion credit report summary[11] Free; once weekly[11] No[11] Yes[11] None[11] VantageScore 3.0[11]
Discover Credit Scorecard Free Experian credit report summary[12] Free; once monthly[12] No[12] Yes[12] Experian FICO Score 8[12]
FreeCreditScore.com[13] Free; once monthly[13] Free; once monthly[13] No[13] Yes[13] Experian[13] FICO Score 8[13]
HSBC Not available[14] Free credit score; updated monthly[14] Yes[14] Yes[14] Equifax[14] FICO NextGen/NG1
LendingTree Free TransUnion credit report summary[15] Free; once monthly[15] No[15] Last 4 digits only[15] TransUnion[15] VantageScore 3.0[6]
Mint.com Free Equifax credit report summary[16] Free; once every 3 months[16] No[16] Yes[16] Equifax[16] Likely proprietary[17]
My.CreditCards.com Free; once monthly[18] Free; once monthly[18] No[18] Equifax[18] Vantage Score 3.0[18]
NerdWallet Free; once weekly[19] Free; once weekly[19] No[19] Last 4 digits only[19] TransUnion[19] VantageScore 3.0[19]
SavvyMoney.com Free proprietary credit report summary[20] Free; once monthly[20] No[20] Yes[20] Equifax[20]
QLCredit Free; once monthly[21] Free; once monthly[21] No[21] Yes[21] Equifax[21] VantageScore 3.0[6]
Quizzle Free; once every three months[22] Free; once every three months[22] No[22] Last 4 digits only[22] TransUnion[22] VantageScore 3.0[6]
WalletHub Free; once daily [23] Free; once daily [23] No[23] Last 4 digits only[23] TransUnion[23] VantageScore 3.0[6]
WisePiggy Free TransUnion credit report summary[24] Free; once monthly[24] No[24] Last 4 digits only[24] TransUnion[24]

See also

References

  1. ^ The Federal Trade Commission's Information on Free Annual Credit Reports.
  2. ^ "CafeCredit
  3. ^ a b c d AnnualCreditReport.com
  4. ^ a b c d e myBankrate
  5. ^ a b c d e f Credit.com
  6. ^ a b c d e f [1]
  7. ^ a b c d e Credit Concierge
  8. ^ Credit Concierge FAQs
  9. ^ a b c d e Credit Karma
  10. ^ a b c d e f Credit Sesame
  11. ^ a b c d e f Credit Wise from Capital One
  12. ^ a b c d e Discover Credit Scorecard
  13. ^ a b c d e f g FreeCreditScore.com
  14. ^ a b c d e FICO Credit Score | HSBC
  15. ^ a b c d e LendingTree
  16. ^ a b c d e Mint.com
  17. ^ Doctor of Credit
  18. ^ a b c d e My.CreditCards.com
  19. ^ a b c d e f NerdWallet
  20. ^ a b c d e SavvyMoney.com
  21. ^ a b c d e QLCredit
  22. ^ a b c d e Quizzle
  23. ^ a b c d e WalletHub
  24. ^ a b c d e WisePiggy

[1]

  1. ^ https://www.qlcredit.com/faq
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