2017’s Best Credit Report Site

WalletHub editors compared the leading free credit report providers so that you can get your free credit report without having to worry about any hidden terms

WalletHub

4 (11)
TransUnion Report Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Score Type

  • Yes

Features

  • Free Credit Scores, Updated Daily
  • 24/7 Credit Monitoring
  • Credit-Improvement Advice
  • Personalized Money-Saving Offers
  • Educational Tools

Editor's Notes

Just to be clear, we’re completely biased in saying this, but we nevertheless believe it to be the truth: WalletHub is the best credit report website because it provides your full report and updates it daily. This enables you to obtain an unparalleled perspective of your credit circumstances and ensures that you’ll never have to attempt tending to your credit report on a delay.

Annual Credit Report

5 (1)
Equifax Report Experian Report TransUnion Report Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free credit reports annually, no membership

Score Type

  • Yes

Features

  • Official site authorized by federal law
  • Reports provided annually
  • Site includes educational tools and resources

Editor's Notes

Annual Credit Report is the only Federally mandated site for free access to credit reports from each of the 3 bureaus. The site includes educational tools and does not require an ongoing membership. While the reports may be difficult to understand or digest at first, this is the most reliable method for an annual credit report check from each of the 3 major bureaus.

Bankrate

4 (4)
Equifax Report Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free basic membership includes score and ongoing monitoring
  • Upgraded membership includes full credit report and enhanced monitoring

Score Type

  • Yes

Features

  • Reports provided annually
  • Ongoing credit monitoring included with membership

Editor's Notes

Bankrate offers its members access to one free credit report per year with its basic membership. Also included is access to Bankrate's comprehensive calculatotrs and rate resources, but aside from this there is not much else. This is a solid option for a free one time check of your report, but any strong ongoing monitoring of your report would likely require an upgraded membership.

Credit Karma

4 (51)
Equifax Report TransUnion Report Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Score Type

  • Yes

Features

  • Reports provided monthly
  • Ongoing credit monitoring included with membership
  • Site includes educational tools and resources

Editor's Notes

Credit Karma is one of the stronger names in the free credit monitoring space, and lets users see 2 free credit reports with membership. Monthly updates of 2 reports combined with educational tools and monitoring makes it one of the stronger offerings in the free credit report marketplace for frequent monitoring.

Compare Cards

3 (2)
TransUnion Report Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Score Type

  • Yes

Features

  • Ongoing credit monitoring included with membership

Editor's Notes

Compare Cards allows users to see their credit report as part of a free membership, but not much else is included. The report is fairly raw, in that it is not accompanied by any tools or resources to help users digest the information. Definitely an option for free credit report access, but likely not near the top of the list.

Quizzle

4 (4)
Equifax Report Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free basic membership includes score and ongoing monitoring
  • Upgraded membership includes identity protection and faster score updates

Score Type

  • Yes

Features

  • Reports provided every 6 months
  • Ongoing credit monitoring included with membership
  • Site includes educational tools and resources

Editor's Notes

Quizzle has a solid free offering that allows users to see their credit report. Membership includes regular monitoring and some educational tools, although Quizzle features one of the slowest update times at 6 months. Users can upgrade to monthly updates, but since other sites offer this with their free membership this might not be the best place for frequent, ongoing monitoring.

Free Credit Report

3 (1)
Experian Report Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Score Type

  • No

Features

  • Site includes educational tools and resources

Editor's Notes

Free Credit Report is just that, it gives users access to a credit report with a free membership. Modest additional resources are included, but this is still an option for a one-time check of your credit report.

Lexington Law

1 (1)
Equifax Report Experian Report TransUnion Report Free Consultation Go to Site More Details

Fee Details

  • Free consultation includes credit reports and scores
  • Upgraded membership includes access to credit consultation

Score Type

  • Yes

Features

  • Reports provided with free consultation
  • Site includes educational tools and resources

Editor's Notes

Lexington Law is a law firm that sells credit rehabilitation services, but, through a free consulation, it gives users access to their credit reports, as well as a brief walkthrough with a credit specialist. While this is a method for getting free one-time access to reports, the potential to get upsold into very expensive credit rehabilitation services makes this a weaker option.

AARP

0
Equifax Report Experian Report TransUnion Report Free Trial (14 days) $12.99/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits

Editor's Notes

AARP offers an ID Protection service to its members that includes access to all 3 bureau reports. The major draw of this service for members would be the ID protection, and access to 3 full credit reports, but membership does come with a fee. For AARP members, this is a solid option for a one time check during the trial period, but not as much for longer-term monitoring after the fee kicks in.

Credit ID Protect

1 (1)
Equifax Report Experian Report TransUnion Report Free Trial (30 days) $14.99/mo Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Reports provided every 3 months
  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits

Editor's Notes

Credit ID Protect is powered by Identity Guard, and looks to be a weaker version of Identity Guard's own offering. Users can find all of the services it offers on other sites.

SmartAsset 360

3 (2)
Equifax Report Experian Report TransUnion Report Free Trial (7 days) $14.99/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Reports provided monthly
  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits
  • Site includes educational tools and resources

Editor's Notes

SmartAsset 360 has one of the strongest offerings of any of the sites reviewed, and users can get full access during the trial period. Credit reports from all three bureaus are included, as well as the full array of additional tools and resources. Unfortunately, there is a monthly fee for the membership, so this is not a strong candidate for ongoing monitoring. That being said, this should be near the top of the list for anyone interested in a one-time check.

Equifax

4 (8)
Equifax Report Experian Report TransUnion Report Free Trial (7 days) $17.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits
  • Site includes educational tools and resources

Editor's Notes

Equifax, one of the 3 major bureaus, has the strongest of the 3 offerings. Users can access credit reports from all 3 major bureaus, and Equifax has one of the best packages of tools and resources of any of the sites reviewed. The major downside to this membership is the monthly fee, making it not the best option for ongoing monitoring. However, the offering is strong enough to earn consideration for anyone interested in a one-time check.

Identity Guard

3 (3)
Equifax Report Experian Report TransUnion Report Free Trial (30 days) $19.99/mo Go to Site More Details

Fee Details

  • Trial includes credit reports and scores
  • Upgraded membership including enhanced coverage and monthly updates

Score Type

  • Yes

Features

  • Reports provided every 3 months
  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits

Editor's Notes

Identity Guard, an ID Protection site, does give users access to credit reports from all 3 bureaus with membership. These reports are accessible through the trial period. This is definitely an option for free access to 3 reports, but given the fee this is not a strong option for ongoing monitoring.

My Score

3 (3)
Equifax Report Experian Report TransUnion Report Free Trial (7 days) $29.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Reports provided once with free trial
  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits
  • Site includes educational tools and resources

Editor's Notes

My Score offers a trial period of its paid membership that provides users with all 3 credit reports. Modest additional resources are included for credit monitoring and analysis, but My Score's membership does come with discounts at select partner vendors. This is a good option if interested in doing a one-time check of all 3 reports with a few extras, but given the monthly fee it is not the best longer-term option

Trusted ID

4 (2)
Equifax Report Experian Report TransUnion Report $1 Trial (14 days) $14.99/mo Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits

Editor's Notes

Trusted ID, an ID Protection site, does give users access to reports from all 3 bureaus with membership. This is accessible through the trial period. This is definitely an option for free access to 3 credit reports, but given the fee this is not a strong option for ongoing monitoring.

TransUnion

3 (7)
TransUnion Report $1 Trial (7 days) $17.95/mo after Go to Site More Details

Fee Details

  • Trial includes credit reports and scores
  • Upgraded membership includes scores and reports from all 3 bureaus

Score Type

  • Yes

Features

  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits
  • Site includes educational tools and resources

Editor's Notes

TransUnion, one of the 3 major bureaus, gives users access to their credit report via its membership, which can be accessed through a trial period. TransUnion is in the middle of the 3 major bureaus in terms of this package, offering resources and tools that are somewhat stronger than Experians, but not on the level of Equifax.

Truecredit

3 (2)
TransUnion Report $1 Trial (7 days) $17.95/mo after Go to Site More Details

Fee Details

  • Trial includes credit reports and scores
  • Upgraded membership includes scores and reports from all 3 bureaus

Score Type

  • Yes

Features

  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits
  • Site includes educational tools and resources

Editor's Notes

Truecredit is powered by TransUnion and gives users the same access as the TransUnion package to their credit report. The main difference between the two is that Truecredit has a stronger focus on education, and provides more detailed resources to this end. Potentially a better option for anyone less credit-savvy compared to its parent site.

Experian

4 (12)
Experian Report $1 Trial (7 days) $19.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features
  • Special discount for Premier Bank cardholders

Score Type

  • Yes

Features

  • Reports provided once with free trial
  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits
  • Site includes educational tools and resources

Editor's Notes

Experian, one of the 3 major bureaus, gives users access to their credit report with its basic membership, which can be accessed through a free trial. Compared with the other 3 bureaus, Experian offers modest additional features, and is likely on the bottom end of the 3 major bureaus for this type of offering.

Privacy Guard

4 (1)
Equifax Report Experian Report TransUnion Report $1 Trial (14 days) $19.99/mo Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Reports provided monthly
  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits
  • Site includes educational tools and resources

Editor's Notes

Privacy Guard, an ID protection site, offers users access to credit reports from all 3 bureaus with its membership. Users can access this through the trial period, and also get access to a decent set of resources and tools. Given the fee, this is not a strong option for longer-term monitoring, but is a good option for a one time check of all 3 reports.

CreditReport.com

3 (10)
Equifax Report Experian Report TransUnion Report $1 Trial (7 days) $24.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits

Editor's Notes

CreditReport.com gives users access to all 3 credit reports with membership, all available during the trial period. Also included is ID Protection, which is a nice bonus, but still comes with the monthly fee for longer-term membership. This is a good option for a one-time check of all 3 bureau reports, though.

Credit Check Total

2 (1)
Equifax Report Experian Report TransUnion Report $1 Trial (7 days) $29.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Yes

Features

  • Reports provided once with free trial
  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits

Editor's Notes

Credit Check Total offers a trial period of its paid membership that provides users with all 3 credit reports. Modest additional resources are included, but given the 3 full reports, this is a strong option for a one-time check. Given the monthly fee, this is not a great option for longer-term monitoring.

Protect my ID (Experian)

3 (1)
Experian Report Refundable 14 day trial ($15.95/mo after) Go to Site More Details

Fee Details

  • Trial includes all features
  • 10% discount if 55+ years of age

Score Type

  • Yes

Features

  • Ongoing credit monitoring included with membership
  • Members receive identity protection benefits
  • Site includes educational tools and resources

Editor's Notes

Protect my ID is an ID Protection service offered by Experian, that includes access to credit reports. The trial period allows users to get full access to their report, as well as some educational resources. Given the monthly fee, this is not a great option for ongoing monitoring, but could be considered for a one-time check.

myFICO

4 (4)
Equifax Report Experian Report TransUnion Report $14.95/mo Go to Site More Details

Fee Details

  • Membership includes credit reports and scores
  • Upgraded membership includes enhanced monitoring and optional one-time purchases of additional scores and reports

Score Type

  • Yes

Features

  • Reports provided annually
  • Ongoing credit monitoring included with membership

Editor's Notes

myFICO offers users any combination of credit reports, but the basic membership starts with one report. Unfortunately there is no trial period, but this is the only method to get credit information directly from FICO. Since there are ways of seeing your report that are free or do include a trial period, unless you feel a strong need to go directly to FICO, this is not the place to start your search.