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Consumer Guide: the authority on bad credit™ Featured On: Blog | Studies | Guides | Reviews Search home / reviews / credit report guide Consumer Guide: “Free Credit Report” Imposters A Complete Assessment of Credit Report Marketers 1.4k 6.8k 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
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