Comparison of free credit report websites

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The following chart compares websites that provide U.S. credit reports and/or credit scores for free. The chart specifies 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]

Many credit card companies also provide free FICO credit scores to their customers.[2]

Comparison of free credit report and credit score 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[3] Not available No[3] Yes[3] Equifax, Experian, TransUnion[3]
AMEX Free Experian credit report summary Free; once monthly Yes Yes Experian FICO Score 8
myBankrate Free; once monthly[4] Free; once monthly[4] No[4] TransUnion[4] VantageScore 3.0[4]
Citi Free Equifax credit report summary Free; once monthly Yes Yes Equifax FICO Score 8
Credit.com Free Experian credit report summary[5] Free; once every two weeks[5] No[5] Yes[5] None[5] Experian's National Equivalency Score,[5] VantageScore 3.0[6]
Credit Concierge powered by CompareCards.com Free; once monthly[7] Free; once monthly[7] No[7] Yes[7] TransUnion[7] TransRisk Score[8]
Credit Karma Free reports from both Equifax and TransUnion; once weekly[9] Free; once weekly[9] No[9] Last 4 digits only[9] TransUnion, Equifax[9] VantageScore 3.0,[6]
Credit Sesame Free TransUnion credit report summary; once every month[10] Free; once every month[10] No[10] Last 4 digits only[10] None[10] VantageScore 3.0[10]
CreditWise from Capital One Free TransUnion credit report summary[11] Free; once weekly[11] No[11] Yes[11] None[11] VantageScore 3.0[11]
Discover Free TransUnion credit report summary Free; once monthly Yes Yes TransUnion FICO Score 8
Discover Credit Scorecard Free Experian credit report summary[12] Free; once monthly[12] No[12] Yes[12] Experian FICO Score 8[12]
HSBC Not available[13] Free credit score; once monthly[13] Yes[13] Yes[13] Equifax[13] FICO NextGen/NG1
LendingTree Free TransUnion credit report summary[14] Free; once monthly[14] No[14] Last 4 digits only[14] TransUnion[14] VantageScore 3.0[6]
Mint.com Free Equifax credit report summary[15] Free; once every 3 months[15] No[15] Yes[15] Equifax[15] Likely proprietary[16]
My.CreditCards.com Free; once monthly[17] Free; once monthly[17] No[17] Equifax[17] Vantage Score 3.0[17]
NerdWallet Free; once weekly[18] Free; once weekly[18] No[18] Last 4 digits only[18] TransUnion[18] VantageScore 3.0[18]
SavvyMoney.com Free proprietary credit report summary[19] Free; once monthly[19] No[19] Yes[19] TransUnion[19] Vantage Score 3.0
QLCredit Free; once monthly[20] Free; once monthly[20] No[20] Yes[20] Equifax[20] VantageScore 3.0[6]
Quizzle Free; once every three months[21] Free; once every three months[21] No[21] Last 4 digits only[21] TransUnion[21] VantageScore 3.0[6]
WalletHub Free; once daily [22] Free; once daily [22] No[22] Last 4 digits only[22] TransUnion[22] VantageScore 3.0[6]
WisePiggy Free TransUnion credit report summary[23] Free; once monthly[23] No[23] Last 4 digits only[23] TransUnion[23] Vantage Score 3.0
Bank of America Free TransUnion credit report summary[24] Free; once monthly[24] Yes[24] Yes[24] TransUnion[24] FICO Score 8
Chase Credit Journey Free TransUnion credit report summary[25] Free; once weekly[25] No[25] Yes[25] TransUnion[25] Vantage Score 3.0
Chase Slate Free Experian credit report summary[26] Free; once monthly[26] Yes[26] Yes[26] Experian[26] FICO Score 8

See also[edit]

References[edit]

[1]

  1. ^ https://www.qlcredit.com/faq