2018’s Best Credit Score Site

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

WalletHub

4.5 (14)
Score Updates Daily Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Score Type

  • TransUnion VantageScore

Features

  • 24/7 Credit Monitoring
  • Full Credit Reports
  • Credit-Improvement Advice
  • Personalized Money-Saving Offers
  • Educational Tools

Editor's Notes

Our bias here is unavoidable, but with that noted, we honestly believe WalletHub’s daily updates and customized credit-improvement advice make it the best credit score site out there. And though you might initially come for the free daily credit scores, WalletHub’s array of other awesome features – including full credit reports updated on a daily basis and ‘round-the-clock credit monitoring – will ensure that you keep coming back.

Bankrate

4.5 (4)
Score Updates Monthly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Basic Free Membership includes credit score and ongoing monitoring
  • Upgraded Membership includes full credit report and enhanced monitoring

Score Type

  • VantageScore

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports

Editor's Notes

Bankrate offers a solid basic package that includes both your credit score and report. While this site lacks some of the additional tools like simulation or goals, it is a part of Bankrate. This gives users direct access to a wide variety of debt calculators and rates in the marketplace.

Credit Karma

4.5 (53)
Score Updates Weekly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Score Type

  • TransUnion VantageScore
  • Equifax VantageScore

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Educational Tools
  • Simulation Tools (Coming Soon)

Editor's Notes

Credit Karma is one of the most popular sites in the free credit score market. Users get two free scores and reports, and the site offers additional calculators and educational tools. Credit Karma also offers weekly score updates, the most frequent of any of the sites reviewed.

Credit.com

4 (3)
Score Updates Monthly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Basic Free Membership includes credit scores and ongoing monitoring
  • Upgraded Membership includes full credit report and enhanced monitoring

Score Type

  • Experian National Equivalency Score
  • Experian VantageScore

Features

  • Ongoing Credit Monitoring
  • Goal Setting
  • Educational Tools
  • Full Credit Reports ($)

Editor's Notes

Credit.com offers a unique set of features and is one of the most user-friendly sites. The free membership does not include full reports, but it includes two credit scores and is one of the only sites to offer a goals feature. This helps users monitor progress towards a specific target or goal. As one of the most user-friendly sites, this is a strong option for basic monitoring.

Credit Sesame

4 (9)
Score Updates Monthly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Basic Free Membership includes credit score and ongoing monitoring
  • Upgraded Membership includes full credit report and enhanced monitoring

Score Type

  • TransUnion VantageScore

Features

  • Ongoing Credit Monitoring
  • Identity Protection
  • Simulation Tools (Coming Soon)
  • Full Credit Reports ($)

Editor's Notes

Credit Sesame offers one of the stronger dashboards, including credit score tracking and grades on the factors that go into determining credits scores. The free membership lacks full reports, but users with paid subscriptions can get 3 scores and 3 reports as well as identity protection. Users with paid subscriptions can also get daily score updates.

Compare Cards

3 (2)
Score Updates Monthly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports

Editor's Notes

Compare Cards is probably the most basic free offering and includes both score and report. Users can see their credit score and a high-level breakdown of factors, as well as a full report for free. The lack of additional tools and lower-quality user interface makes this site one of the weaker options, particularly for users who may be less credit-savvy.

Free Credit Score

3 (13)
Score Updates Monthly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free Membership includes credit score
  • Upgraded Membership includes full credit report and enhanced monitoring

Score Type

  • Experian PLUS Score

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports ($)

Editor's Notes

Free Credit Score gives users access to one of their scores, direct from Experian, for free. However, it lacks additional resources and requires users to pay up for other scores or reports. Users can find better free options.

LendingTree

4.5 (3)
Score Updates Monthly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Score Type

  • TransUnion VantageScore

Features

  • Ongoing Credit Monitoring

Editor's Notes

LendingTree features one of the strongest and most user-friendly dashboards, as well as the ability to make very personalized recommendations based on a user's specific scenario. While a report is not included, and there are minimal resources as far as education, the simple interface conveys all the basic information about a user's credit score. The site also has the ability to give a user offers based on inputs specific to the user, creating more personalized recommendations and savings.

Wise Piggy

3 (5)
Score Updates Monthly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Score Type

  • TransUnion VantageScore

Features

  • Ongoing Credit Monitoring
  • Simulation Tools
  • Educational Tools

Editor's Notes

Wise Piggy offers the basics of a credit score site, and some nice extras, all for free. While it lacks a credit report (and there is no upgrade option), it includes a number of helpful additional features. There are simulation tools, educational resources, and some of the more detailed debt paydown calculators on the market. All this makes Wise Piggy a very strong option for basic monitoring.

Mint

4.5 (9)
Score Updates Monthly Free, No Credit Card Required Go to Site More Details

Fee Details

  • Basic Free Membership includes credit score and ongoing monitoring
  • Upgraded Membership includes faster score updates and annual triple bureau updates

Score Type

  • Equifax Credit Score Model

Features

  • Ongoing Credit Monitoring
  • Goal Setting

Editor's Notes

While Mint does not focus on credit scores, it does have a strong offering in this space. Users get access to their scores and basic analysis, but the real strength is the rest of the Mint tools that come with the free membership. A variety of educational resources and goal setting tools prove very helpful, and may compensate for the lack of a full report and quarterly updates. Mint is one of the better sites in this space, even though it does not focus on credit scores.

Quizzle

4.5 (4)
Score Updates Every 6 Months Free, No Credit Card Required Go to Site More Details

Fee Details

  • Basic Free Membership includes credit score and ongoing monitoring
  • Upgraded Membership includes Identity Protection and faster score updates

Score Type

  • VantageScore

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Educational Tools
  • Identity Protection ($)

Editor's Notes

Quizzle has a solid free membership that comes with all the basics needed for ongoing monitoring. Credit scores, reports, and even educational resources are available at no charge. However, the free membership only provides updates every 6 months. More frequent updates and identity protection are available with a paid subscription, which might not be worth it since other sites offer similar packages for free.

AARP

0
Score Updates Monthly Free Trial (14 days) $12.99/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Score from Equifax
  • Equifax Score from Equifax
  • Experian Score from Equifax

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection

Editor's Notes

AARP offers its members access to their credit scores and reports from all three credit bureaus through its identity protection offering. This is only available to AARP members and this offering does not include any additional resources or tools. This is a strong option for AARP members looking for a one time check, but a much weaker option for longer-term monitoring given the monthly fee and lack of additional tools.

Credit Reports and Scores

2.5 (3)
Score Updates Monthly Free Trial (7 days) $14.95/month after Go to Site More Details

Fee Details

  • Trial includes credit score and analysis
  • Upgraded Membership includes reports from all three bureaus

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports ($)

Editor's Notes

Credit Reports and Scores, despite its name, does not include a full report with the basic membership. During the trial, users can only see a credit score and basic analysis. Upgraded memberships include all three credit bureau reports. Given the fee and the fact that users have to pay extra to see their report, users would be better off with other options.

SmartAsset 360

2.5 (3)
Score Updates Monthly Free Trial (7 days) $14.99/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • Experian PLUS Score
  • TransUnion SMRTS Score
  • Equifax SMRTS Score

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection
  • Simulation Tools
  • Educational Tools
  • Goal Setting

Editor's Notes

SmartAsset 360 has one of the strongest offerings of any of the trial period sites. Users get access to credit scores and reports from all three credit bureaus. SmartAsset 360 includes the full array of additional tools and resources, and some more detailed offerings as well. The major downsides are the monthly fee for ongoing monitoring and the fact that some of the tools may be too complex for a less credit-savvy user.

Equifax

4.5 (8)
Score Updates Monthly Free Trial (7 days) $17.95/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Score from Equifax
  • Equifax Score from Equifax
  • Experian Score from Equifax

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection
  • Simulation Tools
  • Educational Tools

Editor's Notes

Equifax, one of the three credit bureaus, is one of the strongest sites overall, despite the monthly fee. It offers credit scores and reports from all three bureaus, simulation tools, educational resources, identity protection. Overall, it provides more information than any of the other sites we reviewed and does so in a way that is easy to understand. The only drawback of Equifax is the monthly fee required for ongoing monitoring. Despite this, it is a strong option and should definitely be considered for those interested in a one-time check.

Experian

4 (12)
Score Updates Monthly $1 Trial (7 days) $19.95/month after Go to Site More Details

Fee Details

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

Score Type

  • Experian FICO Score 8

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection
  • Educational Tools

Editor's Notes

Experian, one of the three credit bureaus, operates a wide network of credit report and score sites, and it's namesake option is the culmination of all of its offerings. Users get access to their Experian credit score and report direct from the source. However, Experian does not offer the same level of additional tools and resources that the other bureau sites do. Therefore, it is the weakest of the three bureau sites, and given the monthly fee it is not ideal for ongoing monitoring.

Free Scores and More

3 (2)
Score Updates Monthly Free Trial (14 days) $19.99/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Credit Xpert Score
  • Equifax Credit Xpert Score
  • Experian Credit Xpert Score

Features

  • Ongoing Credit Monitoring
  • Identity Protection
  • Educational Tools

Editor's Notes

Free Scores and More provides strong educational tools alongside access to credit scores from all three bureaus. This site looks like a strong option for a one-time check of scores, since users can see three scores and utilize the site's educational resources. Given the monthly fee, this is not a strong option for ongoing monitoring.

Fast 3 Credit Scores

1.5 (2)
Score Updates Monthly Free Trial (14 days) $24.99/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Credit Xpert Score
  • Equifax Credit Xpert Score
  • Experian Credit Xpert Score

Features

  • Ongoing Credit Monitoring
  • Identity Protection

Editor's Notes

Fast 3 Credit Scores is true to its name--three scores and no reports included with membership. Additionally, no extra tools or resources seem to be included. This is an option for a quick check of three different bureau scores, but given the monthly fee, it is not a great option for long-term monitoring.

My Score

3.5 (3)
Score Updates Monthly Free Trial (7 days) $29.95/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Score From TransUnion
  • Equifax Score from TransUnion
  • Experian Score from TransUnion

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection
  • Educational Tools

Editor's Notes

My Score offers users access to credit scores, reports, and basic monitoring from all three bureaus, as well as basic Identity Protection. The major downside here is the monthly fee that kicks in after the trial period, and lack of additional tools or resources. A unique perk for My Score is a package of discounts at partner vendors that comes with the membership, and the ability to see three scores and reports provides strong benefit. However, the monthly fee is a big deterrent for long-term membership.

Identity Guard

3.5 (3)
Score Updates Every 3 Months Free Trial (30 days) $19.99/month after Go to Site More Details

Fee Details

  • Trial includes credit scores and reports
  • Upgraded Membership includes faster score and report updates

Score Type

  • TransUnion Credit Xpert Score
  • Equifax Credit Xpert Score
  • Experian Credit Xpert Score

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection

Editor's Notes

Identity Guard is one of the strongest identity Protection services that also happens to show users their credit scores and reports from all three credit bureaus. Identity Guard does not offer much in the way of additional credit resources or tools, but this is a strong option for a one-time check of all three bureaus, especially if you are interested in identity protection.

Trusted ID

4.5 (2)
Score Updates Monthly $1 Trial (14 days) $14.99/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Score from Equifax
  • Equifax Score from Equifax
  • Experian Score from Equifax

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection

Editor's Notes

Trusted ID is one of the strongest identity protection services that also happens to show users their credit scores and reports from all three credit bureaus. Trusted ID does not offer much in the way of additional credit resources or tools, but this is a good option for a one-time check of all three credit bureaus, especially if you are interested in identity protection.

TransUnion

3.5 (8)
Score Updates Monthly $1 Trial (7 days) $17.95/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Credit Score (501-990 Scale based on VantageScore)

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection
  • Educational Tools

Editor's Notes

TransUnion, one of the three bureaus, offers users access to their credit scores and reports. Users get a few extras beyond score and report alone, but ongoing membership still requires a monthly fee. Aside from scores and reports directly from a credit bureau, TransUnion is not offering users anything they can't get from other sites for free.

Truecredit

3.5 (2)
Score Updates Monthly $1 Trial (7 days) $17.95/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Credit Score (501-990 Scale based on VantageScore)

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection
  • Educational Tools

Editor's Notes

Truecredit offers access to TransUnion credit scores and reports, through a TransUnion connection. The main difference between the two sites is that the Truecredit site offers much more in the way of credit education resources than TransUnion does, making it a stronger option for anyone less savvy in credit matters. Given the monthly fee, this is not a good option for ongoing monitoring.

Privacy Guard

4 (1)
Score Updates Monthly $1 Trial (14 days) $19.99/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Credit Xpert Score
  • Equifax Credit Xpert Score
  • Experian Credit Xpert Score

Features

  • Ongoing Credit Monitoring
  • Identity Protection
  • Simulation Tools
  • Educational Tools

Editor's Notes

Privacy Guard is one of the strongest identity protection services that also happens to show users their credit scores and reports from all three bureaus. Privacy Guard offers some additional tools, but the focus remains on identity protection. The free trial is a good option for a one-time check, and the site may be a good long-term option if you are interested in identity protection.

CreditReport.com

3.5 (10)
Score Updates Monthly $1 Trial (7 days) $24.95/month after Go to Site More Details

Fee Details

  • Trial includes credit scores and reports
  • Upgraded Membership includes enhanced monitoring

Score Type

  • TransUnion FICO Score 8
  • Equifax FICO Score 8
  • Experian FICO Score 8

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection

Editor's Notes

CreditReport.com offers users access to credit scores and reports from all three bureaus, but does not have much in the way of additional tools or resources. Given the paid membership, this is a good option for a one-time check during the trial period, but not great for ongoing monitoring.

Credit ID Protect

1 (1)
Score Updates Every 3 Months Free Trial (30 days) $14.99/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion Credit Xpert Score
  • Equifax Credit Xpert Score
  • Experian Credit Xpert Score

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection

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.

Credit Check Total

1.5 (32)
Score Updates 3 Times Per Month $1 Trial (7 days) $29.95/month after Go to Site More Details

Fee Details

  • Trial includes all features

Score Type

  • TransUnion FICO Score 8
  • Equifax FICO Score 8
  • Experian FICO Score 8

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports
  • Identity Protection

Editor's Notes

Credit Check Total offers credit scores and reports from all three bureaus multiple times per month, but ongoing membership involves a monthly fee. The focus is definitely on offering access to all three credit bureaus, and not on additional services or resources. Not a strong option for ongoing monitoring, given the monthly fee.

myFICO

4 (5)
Score Updates Monthly $14.95/month Go to Site More Details

Fee Details

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

Score Type

  • TransUnion FICO Score 8
  • Equifax FICO Score 8
  • Experian FICO Score 8

Features

  • Ongoing Credit Monitoring
  • Full Credit Reports

Editor's Notes

myFICO provides users their FICO credit score direct from the source. The big downside to myFICO is the fact that nothing is free. At time of writing, there was not even a free trial period for the basic membership. There are a wide variety of options, including single or triple bureau checks, both one-time or ongoing. However, unless you feel like you need your score direclty from the source, consider other options.

Popular Questions

What is the best credit score site?

By: John Kiernan, Personal Finance Editor

WalletHub is the best credit score site because it offers free scores that are updated on a daily basis. Sure, we’re obviously biased in saying that. But it’s hard to compete with the latest info, personalized credit analysis and custom credit card recommendations.

Below, you can see how exactly how WalletHub compares to some of the most popular alternatives.

Here are the most popular credit score sites:

Site Credit Score Cost Credit Scores Updated… Free App?
WalletHub $0 Daily Yes
Credit Karma $0 Weekly Yes
Credit Sesame $0 Weekly Yes
CreditWise $0 Monthly Yes
Mint $0 Quarterly Yes


You can learn more about how WalletHub compares to other top credit score sites from this article. And to download the WalletHub app, simply select one of the following options:

What is a good credit score?

By: John Kiernan, Personal Finance Editor

A credit score of 660 to 619 is typically considered “good.” But it’s how a given lender defines good credit that really matters. And they all have different standards.

For more information, check out WalletHub’s good credit score guide.

What is the standard credit score range?

By: John Kiernan, Personal Finance Editor

Most credit scores use a range of 300 to 850. And while there is no one “real” credit score, most credit-scores are based on the same information – the contents of your credit reports – and wind up producing pretty similar results.

You can learn more about the credit score range and the various creditworthiness tiers from this WalletHub guide.

Are a credit score and a FICO score the same thing?

By: John Kiernan, Personal Finance Editor

Not really. FICO is one of the most popular credit-score brands, along with VantageScore. But it’s still just one brand among hundreds. And there are actually dozens of different types of FICO scores. So it definitely isn’t synonymous with “credit score.”

To learn more about why this is the case, check out WalletHub’s article on why there’s no “real” credit score.

What is the best credit report site?

By: John Kiernan, Personal Finance Editor

WalletHub is the best credit report site because it is the first and only site to offer free credit reports and scores that are updated on a daily basis. But you don’t have to take our word for it. You can compare 20+ top credit report sites and make up your own mind.

What is the best credit monitoring site?

By: John Kiernan, Personal Finance Editor

WalletHub is the best choice for credit monitoring because it is one of the only sites that provides SMS notifications for important credit alerts and allows users to enable two-factor authentication for added security. You can see what else sets WalletHub apart from this comparison of the top credit monitoring services.