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. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what's free, what kind of credit reports are included, and whether a full Social Security number is needed.

According to the Federal Trade Commission, " is the only authorized source for the free annual credit report."[1][2] Care should be taken when providing a full Social Security number to any other website.

Comparison of free credit report and credit score websites
Name Frequency Credit bureau Full SSN required? Scoring model Annual full official report (one from each agency) [3] Equifax, Experian, TransUnion[3] Yes[3] No score provided by Bankrate Monthly full report[4] TransUnion[4] Last 4 digits only VantageScore 3.0[4] Monthly summary[5] Experian[5] Yes[5] VantageScore 3.0[6], Experian's National Equivalency Score[5]
Credit Journey by Chase Weekly summary[7] TransUnion[7] Yes[7] VantageScore 3.0[7]
Credit Karma Weekly full reports[8] TransUnion, Equifax[8] Last 4 digits only[8] VantageScore 3.0[6]
Credit Scorecard by Discover Monthly summary[9] TransUnion Yes[9] FICO 8[9]
Credit Sesame Monthly summary[10] TransUnion[10] Last 4 digits only[10] VantageScore 3.0[10]
CreditWise by Capital One Weekly full report[11] TransUnion[11] Yes[11] VantageScore 3.0[11]
CreditWorks Basic by Experian Monthly full report[12] Experian Last 4 digits only[12] FICO 8[12]
LendingTree Monthly summary[13] TransUnion[13] Last 4 digits only[13] VantageScore 3.0[6]
Mint by Intuit Monthly summary[14] TransUnion[14] Yes[14] VantageScore 3.0[15]
MoneyLion Monthly summary[16] TransUnion[13] Yes[13] VantageScore 3.0[6]
myBankrate Monthly full report[17] TransUnion[17] Last 4 digits only VantageScore 3.0[17]
MyCredit Guide by American Express Weekly full report[18] TransUnion[18] Last 4 digits only VantageScore 3.0[18]
NerdWallet Weekly full report[19] TransUnion[19] Last 4 digits only[19] VantageScore 3.0[19]
SavvyMoney Monthly summary[20] TransUnion[20] Yes[20] VantageScore 3.0[20]
QLCredit Biweekly full report[21] TransUnion[21] Yes[21] VantageScore 3.0[6]
Quizzle by Bankrate Quarterly full report[22] TransUnion[22] Last 4 digits only[22] VantageScore 3.0[6]
WalletHub Daily full report[23] TransUnion[23] Last 4 digits only[23] VantageScore 3.0[6]

See also[edit]


  1. ^ The Federal Trade Commission's Information on Free Annual Credit Reports.
  2. ^ "Can you join a class action suit if you use Equifax's free identity theft protection?".
  3. ^ a b c "Annual Credit - Home Page".
  4. ^ a b c "I just got my free credit report and score at".
  5. ^ a b c d "Check Your Credit & Make Smarter Financial Decisions".
  6. ^ a b c d e f g "Free score providers -".
  7. ^ a b c d "Free Credit Score - Credit Journey -".
  8. ^ a b c "Free Credit Score & Free Credit Reports With Monitoring - Credit Karma".
  9. ^ a b c "Free Credit Score – FICO® Credit Score Card - Discover".
  10. ^ a b c d "Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame". 28 February 2017.
  11. ^ a b c d "Monitor Your Credit With CreditWise - Capital One".
  12. ^ a b c "Free Credit Score - Get Your FICO® Score: No Credit Card Needed".
  13. ^ a b c d e "LendingTree - 1-800-310-1860". LendingTree.
  14. ^ a b c "Mint: Money, Bill Pay, Credit Score & Investing". Mint.
  15. ^ "".
  16. ^ "MoneyLion - We help you achieve financial wellness". MoneyLion.
  17. ^ a b c myBankrate. "Get Your Free Credit Report and Credit Score Here". myBankrate.
  18. ^ a b c "Frequently asked questions – MyCredit Guide | American Express". Retrieved 2018-06-05.
  19. ^ a b c d "Credit score - NerdWallet".
  20. ^ a b c d "Check your Credit Score - SavvyMoney".
  21. ^ a b c "QLCredit".
  22. ^ a b c Quizzle. "I just got my free credit report and score at". Quizzle.
  23. ^ a b c "100% Free Credit Report, Updated Daily – WalletHub". WalletHub.