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."The Federal Trade Commission's Information on Free Annual Credit Reports. Care should be taken when providing a full Social Security number to any other website.
+ 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) Equifax, Experian, TransUnion CreditCards.com by Bankrate Monthly full report TransUnion CreditWise by Capital One Daily full report TransUnion CreditWorks Basic by ExperianDaily full report Experian Credit Journey by Chase Weekly summary TransUnion Credit Karma Daily TransUnion & Daily Equifax full reports TransUnion, Equifax Credit Sesame Monthly summary TransUnion Equifax Core Credit Monthly summary Equifax FICO Free Credit Score Plan Monthly summary Equifax LendingTree Monthly summary TransUnion Mint by Intuit Monthly summary TransUnion myBankrate Monthly full report TransUnion MyCredit Guide by American Express Weekly full reportExperian NerdWallet Weekly full reportTransUnion Nav Every 30 days Experian and Dun & Bradstreet TransUnion TrueIdentity Monthly full report TransUnion WalletHub Daily full report TransUnion
See also Credit score in the United States Criticism of credit scoring systems in the United States Fair Credit Reporting Act
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