Comparison of free credit report websites

The following chart compares free credit report websites, including 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]

Comparison of free credit report 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 [2]	FICO score (Equifax) = $7.95; Experian score = $7.95; TransUnion score = $7.95[2]	Yes[2]	Yes[2][2]	Equifax, Experian & Transunion [2][2]	FICO (from Equifax), Experian & Transunion [2]
Credit Karma	Free proprietary credit report card [3]	Free; once daily [3]	No [3]	Yes [3]	Transunion (bare) [3]	Transunion [3]
Credit Sesame	Free experian credit report card [4]	Free; once monthly [4]	No [4]	Yes [4]	Experian (bare) [4]	Experian's National Equivalency Score [4]
Equifax	Free with free 30-day credit-monitoring trial; $14.95/mo. after trial [5][6]	Free; one-time [5][6]	Yes[5]	Yes[5]	Equifax, Experian & Transunion [5][6]	FICO [5][6]
FreeCreditReport.com	Free with free 7-day credit-monitoring trial; $14.95/mo. after trial [6][7]	Free; one-time [6][7]	Yes[7]	Yes[7]	Experian [6][7]	Experian [6][7]
Freescore.com	Free with refundable $1 processing fee and free 7-day trial; $29.95/mo. after trial [8][9]	Free; one-time [8][9]	Yes [8]	Yes [8]	Equifax, Experian & Transunion [8]	Equifax, Experian & Transunion [9]
Identity Guard	Free with free 30-day identity theft protection trial; $14.99/mo. after trial [6][10]	Free; one-time [6][10]	Yes[10]	Yes[10]	Equifax, Experian & Transunion [6][10]	Equifax, Experian & Transunion [6][10]
MyFICO.com	Free with free 10-day credit-monitoring trial; $14.95/mo. after trial [11]	Free; one-time [11]	Yes[11]	Yes[11]	Equifax [11]	FICO [11]
Quizzle	Free; once every 6 months[12]	Free; once every 6 months[12]	No[12]	No[12]	Experian [12]	CE [12]
True Credit	Free with free 30-day credit-monitoring trial; $14.95/mo. after trial [13]	Free; one-time [13]	Yes[13]	Yes, last 4 digits [13]	Equifax, Experian & Transunion [13]	Transunion [13]

See also

• Credit score (United States)

References

1. ^ The Federal Trade Commission's Information on Free Annual Credit Reports.
2. ^ ^{a b c d e f g h} AnnualCreditReport.com
3. ^ ^{a b c d e f} Credit Karma
4. ^ ^{a b c d e f} Credit Sesame
5. ^ ^{a b c d e f} Equifax
6. ^ ^{a b c d e f g h i j k l} Credit.com
7. ^ ^{a b c d e f} FreeCreditReport.com
8. ^ ^{a b c d e} FreeScore.com
9. ^ ^{a b c} The Wall Street Journal: FreeScore.com - More Credit Score Confusion
10. ^ ^{a b c d e f} Identity Guard
11. ^ ^{a b c d e f} MyFICO.com
12. ^ ^{a b c d e f} Quizzle
13. ^ ^{a b c d e f} True Credit