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Be advised that only one website - AnnualCreditReport.com - is authorized by Federal law to provide free annual credit reports. Many websites that claim to offer a "free" credit report will upsell services and/or enrollment into a monthly subscription. You will notice that many of the same services are being promoted on different websites. These charts will allow you to see what providers are truly offering and at what cost, to help avoid signing up for more than you originally wanted. The following charts provide an in-depth look into websites offering credit reports and scores.
Official Government Resource | Trial Offer, Then Charges | Monthly Charge | One-Time Charge | Free But Limited | About Your Credit
Official Government Resource
AnnualCreditReport.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 One full credit report from each bureau available annually; credit scores not Free included
Trial Offer, Then Charges You
CreditCheckTotal.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other CreditCheckTotal.com 3-Bureau credit reports and FICO scores 3 times a month, 3-bureau credit monitoring Not Free and alerts
CreditReport.com Experian Credit Tracker
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial *Initial 3-bureau credit reports and FICO $24.95/mo. ($299.40) scores upon signup. Thereafter only Experian credit report and FICO score, 3- Not Free bureau credit monitoring and alerts, updated twice monthly
Experian.com Experian Credit Tracker
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial Experian credit report and FICO score, 3- $21.95/mo. bureau credit monitoring and alerts, Not Free ($263.40/year) updated twice monthly
FreeCreditReport.com Experian Credit Tracker
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial Experian credit report and FICO score, 3- $21.95/mo. bureau credit monitoring and alerts, Not Free ($263.40/year) updated twice monthly
Credit.com Experian Credit Tracker
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial Experian credit report and FICO score, 3- $21.95/mo. bureau credit monitoring and alerts, Not Free ($263.40/year) updated twice monthly
FreeCreditScore.com Experian Credit Tracker
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial Experian credit report and FICO score, 3- $21.95/mo. bureau credit monitoring and alerts, Not Free ($263.40/year) updated twice monthly
GoFreeCredit.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial TransUnion credit report and TransUnion $17.95/mo. Credit Score, 3-bureau credit monitoring Not Free ($215.40/year) and alerts, identity theft insurance
TransUnion.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial TransUnion credit report and TransUnion VantageScore, 3-bureau credit monitoring $17.95/mo. Not Free ($215.40/year) and alerts, identity theft insurance, updated monthly
TransUnionPlus.com Basic
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial TransUnion credit report and TransUnion VantageScore twice monthly, credit $16.95/mo. Not Free ($203.40/year) monitoring and alerts, Live ID Protect, Money Manager
TransUnionPlus.com Premium
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial TransUnion credit report and TransUnion VantageScore unlimited, credit monitoring $29.95/mo. Not Free ($359.40/year) and alerts, Live ID Protect, Money Manager
Zendough.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial 3-Bureau credit reports and 3-bureau $29.95/mo. VantageScores every 90 days, unlimited ($359.40/year) TransUnion credit report and score, 3- Not Free bureau credit monitoring and alerts, identity theft insurance
ScoreSense.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
FreeScore360.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
FreeScoreOnline.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
NationalCreditReport.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
MyCreditHealth.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
CreditReportCenter.us
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
CreditScoreCenter.us
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
TripleScores.us
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
YourCreditScores.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
FreeCreditClick.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau credit reports and 3-bureau CreditXpert Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, identity theft insurance, updated monthly
IdentityGuard.com Total Protection
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 14-day trial 3-Bureau credit reports, 3-bureau CreditXpert Scores, 3-bureau credit $19.99/mo. Not Free ($239.88/year) monitoring and alerts, identity theft insurance, updated quarterly
IdentityGuard.com Platinum
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 14-day trial 3-Bureau credit reports, 3-bureau CreditXpert Scores, 3-bureau credit $24.99/mo. Not Free monitoring and alerts, identity theft insurance, updated monthly
TrustedID.com Individual Plan
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 14-day trial 3-Bureau credit reports, 3-bureau Equifax $14.99/mo Credit Scores, 3-bureau credit monitoring Not Free ($125/year) and alerts, identity theft insurance
TrustedID.com Family Plan
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 14-day trial 3-Bureau credit reports and 3-bureau Equifax Credit Scores for 2 adults, 3- $27.99/mo Not Free ($240/year) bureau credit monitoring and alerts, identity theft insurance
PrivacyGuard.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 14-day trial 3-Bureau credit report and 3-bureau $19.99/mo. CreditXpert Credit Scores, 3-bureau credit Not Free ($239.88/year) monitoring and alerts, updated monthly
IdentityProtect.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial TransUnion credit report and TransUnion $29.95/mo. credit score, 3-bureau credit monitoring ($359.40/year) and alerts, identity theft insurance, My- Not Free Rewards program with roadside assistance, updated monthly
Escore.com Basic Credit Membership
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial *TransUnion credit report and TransRisk Score for additional $6.95. 3-Bureau credit $9.95/mo.* Not Free ($119.40/year) monitoring and alerts, Pro-Rewards program with roadside assistance
Escore.com Premium Credit Membership
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial TransUnion credit report and TransRisk Score, 3-Bureau credit monitoring and $16.95/mo. Not Free ($203.40/year) alerts, Pro-Rewards program with roadside assistance
Escore.com Ultimate Credit Membership
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 7-day trial 3-Bureau credit reports and 3-bureau TransRisk Scores, 3-bureau credit $29.95/mo. Not Free ($359.40/year) monitoring and alerts, Pro-Rewards program with roadside assistance
CreditExpert.com Experian Credit Manager
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 30-day trial Experian credit report and Experian PLUS $19.95/mo. Score, Experian credit monitoring and Not Free ($239.40/year) alerts
ProtectMyID.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $1 14-day trial 30-day access to Experian credit report, $15.95/mo. Experian credit monitoring and alerts, Not Free ($159.95/year) identity theft insurance; score not included
FreeScoresAndMore.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 14-day trial 3-Bureau CreditXpert Scores, 3-bureau $19.99/mo. credit monitoring and alerts; credit report Not Free ($239.88/year) not included
Fast3CreditScores.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 14-day trial 3-Bureau CreditXpert Scores, 3-bureau $24.99/mo. credit monitoring and alerts, updated Not Free ($299.88/year) monthly; credit report not included
MyScore.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other Free 7-day trial 3-Bureau TransUnion Credit Scores, 3- bureau credit monitoring and alerts, My- $29.95/mo. Not Free ($359.40/year) Rewards program, 24/7 roadside assistance; credit report not included
Monthly Charge, No Trial Offer
MyFico.com FICO Score Watch
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial Equifax credit report and FICO score twice $14.95/mo. annually, Equifax credit monitoring and Not Free ($149.95/year) alerts
MyFico.com FICO 3-Bureau Credit Monitoring
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial 3-Bureau credit reports and 3-bureau FICO $24.95/mo. scores once annually, 3-bureau credit Not Free ($279/year) monitoring and alerts
MyFico.com Identity Ultimate
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial 3-Bureau credit reports and 3-bureau FICO scores once annually, 3-bureau credit $29.95/mo. Not Free ($329/year) monitoring and alerts, identity theft monitoring
Equifax.com Credit Score Watch
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial Equifax credit report and Equifax FICO $19.95/mo. score twice per year, Equifax credit Not Free ($239.40/year) monitoring and alerts
Equifax.com Complete Premier Plan
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial Equifax credit report and 3-bureau Equifax Credit Scores once annually, Equifax credit $19.95/mo. Not Free ($239.40/year) monitoring and alerts, identity theft insurance
Equifax.com Complete Family Plan
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial *3-Bureau credit reports once annually. $29.95/mo. Unlimited Equifax credit report and Equifax ($359.40/year) Credit Score, credit monitoring and alerts for Not Free 2 adults and up to 4 children, identity theft insurance
Experian.com Experian Identity Theft Protection
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial Experian credit report, Experian credit $15.95/mo. monitoring and alerts; credit score not Not Free ($191.40/year) included
Usaa.com Credit Check Monitoring
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial Experian credit report and Experian PLUS $5.95/mo. Score every 30 days, Experian credit Not Free ($71.40/year) monitoring and alerts
Usaa.com CreditCheck Monitoring Premium
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial 3-Bureau credit reports and 3-bureau $12.95/mo. Experian PLUS Scores every 30 days, 3- Not Free ($155.40/year) bureau credit monitoring and alerts
DefendYourID.com GEICO Portfolio Protection Program Single
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial *Upfront 3-bureau credit reports and scores, unlimited TransUnion credit report and $7.99/mo Not Free ($79/year) score, 3-bureau credit monitoring and alerts, data protection software, 1 adult
DefendYourID.com GEICO Portfolio Protection Program Couple
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial *Upfront 3-bureau credit reports and scores, unlimited TransUnion credit report and $8.99/mo. Not Free ($89/year) score, 3-bureau credit monitoring and alerts, data protection software, 2 adults
DefendYourID.com GEICO Portfolio Protection Program Family
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial *Upfront 3-bureau credit reports and scores, $9.99/mo. unlimited TransUnion credit report and ($99/year) score, 3-bureau credit monitoring and alerts, Not Free data protection software, 2 adults + 3 dependents
LifeLock.com LifeLock Advantage
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial 1-Bureau credit report and TransRisk Credit $19.99/mo. Score annually, 3-bureau credit monitoring Not Free ($219.89/year) and alerts
LifeLock.com LifeLock Ultimate Plus
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial 3-Bureau credit reports and 3-bureau $29.99/mo. TransRisk Credit Scores annually, 3-bureau Not Free ($329.89/year) credit monitoring and alerts
FamilySecure.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial Experian credit report and Experian PLUS $19.95/mo. Score, Experian credit monitoring and alerts Not Free ($239.40/year) for entire family
TrueCredit.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other No trial TransUnion credit report and TransUnion VantageScore, 3-bureau credit monitoring $17.95/mo. Not Free ($215.40/year) and alerts, identity theft insurance, updated monthly
One-Time Charge
MyFico.com FICO Standard
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $19.95 per Instant access to full credit report and FICO bureau Score of selected bureaus Not Free
MyFico.com Score 3-Report View
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $59.85 Instant access to full 3-bureau credit reports and 3-bureau FICO Scores Not Free
Experian.com 3-Bureau Credit Report and FICO Scores
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $39.95 Instant access to 3-bureau credit report and FICO Scores Not Free
Experian.com Credit Report and FICO Score
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $19.95 Instant acess to full Experian credit report and Experian FICO Score Not Free
ExperianDirect.com Experian Credit Report
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $10.00 30-day access to Experian credit report; credit score not included Not Free
ExperianDirect.com Experian Credit Report and PLUS Score
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $15.00 30-day access to Experian credit report and Experian PLUS Score Not Free
ExperianDirect.com 3-Bureau Credit Report and PLUS Score
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $24.95 30-day access to 3-bureau credit reports and Experian PLUS Score Not Free
Equifax.com Score Power
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $19.95 30-day access to Equifax credit report and Equifax FICO Score Not Free
Equifax.com Equifax Credit Report and Score
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $15.95 30-day access to Equifax credit report and Equifax Credit Score Not Free
Equifax.com Equifax Complete Report
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $39.95 30-day access to 3-bureau credit reports and 3-bureau Equifax Credit Scores Not Free
CreditExpert.com PLUS Score and Experian Credit Report
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $14.50 30-day access to Experian credit report and Experian PLUS Score Not Free
CreditExpert.com 3-Bureau Report with PLUS Score
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $39.95 30-day access to 3-bureau report and Experian PLUS Score Not Free
Free, But Limited Information
Quizzle.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 Equifax credit report and free VantageScore credit score every 6 months Limited Data
CreditKarma.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 TransUnion credit report summary, TransUnion credit monitoring and alerts, Limited Data unlimited access to report and scores, updated weekly
Mint.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 Equifax credit report summary, Equifax credit monitoring and alerts, unlimited access to Limited Data report and score, updated at login
CreditSesame.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00* *TransUnion credit report summary or pay $9 for full report. TransUnion VantageScore Limited Data updated monthly, TransUnion credit monitoring and alerts
Credit.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 Experian credit report summary, Experian National Equivalency score and Limited Data VantageScore, updated monthly
WisePiggy.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 TransUnion credit report summary updated every 90 days, TransUnion credit score Limited Data updated every 30 days
LendingTree.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 TransUnion report summary, TransUnion VantageScore, updated monthly Limited Data
FreeCreditReport.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 Instant one-time access to full Experian credit report; credit score not included Limited Data
FreeCreditScore.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 Experian PLUS Score with information about what's affecting your score; credit report not Limited Data included
My.BankRate.com
Cost Credit Report Bureau FICO Credit Score Features Bottom Line
Experian TransUnion Equifax Summary Experian TransUnion Equifax Other $0.00 Full Equifax credit report and VantageScore credit score monthly Limited Data
Learning Center: About Your Credit
Understand Your Score | Credit Score Models | Understand Your Report | Report Info | Report Summary
Understanding Your Credit Score
There are multiple credit score models used by lenders to determine creditworthiness. The FICO Score is used by 90 percent of leading lenders and is the global standard for measuring credit risk. A FICO score is calculated by five factors:
Payment history 35% Amounts owed 30% Length of credit history 15% Types of credit 10% New credit 10%
This information is obtained from each of the three credit bureaus: Experian, Equifax, and TransUnion. Credit report information from each bureau as well as how that information is weighted differs between scoring models and is the reason scores can vary significantly. Some scoring models are used for educational purposes only and are not used by lenders.
Credit Score Models
FICO – The FICO score is the original credit score and was created by the Fair Isaac Corporation. Ninety of the top 100 largest U.S. financial institutions use FICO scores to make consumer credit decisions. FICO Score range: 300 – 850
VantageScore – VantageScore was created in 2006 by the three major bureaus (Equifax, Experian and TransUnion) and controls 5-10 percent of the credit scoring market. VantageScore range: 300 – 850
Equifax Credit Score – This is Equifax’s proprietary credit scoring model and can be used to calculate scores for all three major bureaus. Equifax Credit Score range: 280 – 850
PLUS Score – The PLUS Score was created by Experian and is for consumer educational purposes to help understand creditworthiness. It is not used by lenders. PLUS Score range: 330 – 830
TransRisk – This is TransUnion’s credit scoring model and can be used to calculate scores for all three major bureaus. TransRisk score range: 300 – 850
CreditXpert – Created by Neuristics Inc., CreditXpert educational scores are sold through partnerships with companies that provide credit monitoring services. CreditXpert score range: 350 – 850
Understand that the score(s) you receive may not be the same score(s) a lender sees. This is dependent on the credit scoring model and bureaus the lender pulls information from and the type of loan or credit being applied for. Lenders also look at factors that are not contained in credit reports when determining creditworthiness, such as income and length of time at your present employer.
Understanding Your Credit Report
It is important to check credit reports regularly to monitor for any fraud or errors that could be negatively affecting your credit score. You are allowed one free credit report annually from each of the three credit bureaus — Experian, Equifax, and TransUnion — by federal law under the Fair Credit Reporting Act (FCRA). These can be acquired at AnnualCreditReport.com. A credit reporting company cannot charge more than $12 for a credit report. The prices listed in these charts from websites greater than $12 are offering services and/or scores that are not included with a single credit report.
Credit Report Info
Credit reports are broken into four sections: personal information, public record information, credit history, and adverse accounts (negative marks).
Personal information contains your name, social security number, date of birth, current and previous addresses, your spouse’s name, and your employment data. Public record information contains any legal occurrences pertaining to your financial situation, such as bankruptcies, liens, wage garnishments or judgements. Credit history includes your lines of credit (mortgage, auto loans, credit cards, etc.), credit limits and account balances, monthly payment information, and status of the accounts (open, closed, paid, inactive, etc.). Adverse accounts are any debts that were paid late, have an outstanding balance, or sent to a collection agency and reported to the credit bureau(s). These accounts will remain on your credit report for seven years. Items in this category can be disputed and removed by any of the three credit bureaus.
Credit Report Summary
Many of the websites listed in these charts offer credit report summaries, which is not a full credit report. A benefit of summaries is an easy-to-read format that can still provide the primary information contained in a report. A summary can give you enough information to regularly monitor credit with advice on how to improve your scores, but it is advised to receive a full report from each bureau at least once annually.
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