Comparison Chart
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3 bureau reports |
 (once yearly) |
(unlimited) |
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(one time) |
(one time) |
(quarterly) |
3 bureau monitoring |
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1 bureau monitoring |
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See 3 credit scores |
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See only 1 score |
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Purchase credit scores |
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Includes ID Theft insurance |
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Email alerts within 7 days |
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Email alerts within 24 hours |
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ID theft insurance |
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free trial |
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Cost monthly |
$0 |
$29.95 |
$8.95 |
$9.95 |
$12.95 |
$12.99 |
Analysis tools |
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Credit report access |
3 per year | Unlimited | 1 bureau only | 1 bureau only | 1 bureau only | Quarterly |
Unlimited report access |
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Unlimited credit score access |
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No need for trial membership |
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Offers flat fee purchase of reports |
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Score monitoring |
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Initial free gift |
3 reports, 3 scores | 1 score, 1 report | 3-in-1 report | 3-in-1 report | 3 reports, 3 scores | |
Requires "free" membership signup |
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| Sign Up Now! | Sign Up Now! | Sign Up Now! | Sign Up Now! | Sign Up Now! | Sign Up Now! | |
In your financial life, few things figure as prominently as your credit report and credit score. Learning the basics of the credit report process, and keeping your credit report free of errors, is essential to good financial health. You should focus on improving your credit score as the highest credit scores receive the best interest rates and loan terms. On a mortgage, a difference of 100 points could be worth hundreds of dollars each month.
Since 2005, all Americans have the legal right to obtain a free annual copy of their credit report from TransUnion, Equifax and Experian credit reporting bureaus. This law is intended to help consumers reduce errors in their credit reports by minimizing the obstacles to viewing credit reports. To receive a free credit report visit the official site run by the bureaus: annualcreditreport.com
Your personal credit score is a number from 350-800 which stands for your credit risk. The higher numbers are considered less likely to default. Credit scores come from mathematical formulas that measure many variables in your credit report such as payment history, public records, and debt to income ratio.
The Fair and Accurate Credit Transaction Act (2003) amendment to the FCRA Fair Credit Reporting Act guaranteed all Americans the right to see their credit report once a year to check it for errors. To learn more about free credit, credit scores and financial terminology, visit our glossary page.