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+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
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Identity Guard focuses on ID Protection but also offers credit scores and reports with their paid membership. Identity Guard has a strong offering since it provides scores and reports from all 3 bureaus, but the monthly fee might make this a better option for a one time check under the trial period. It is one of the stronger names in ID Protection, but much of its services are only available through its upgraded memberships, involving even higher fees.
Protect my ID is Experian's dedicated ID Protection service, and the paid subscription includes access to your Experian report. Users can also access this information during a refundable trial period. While not one of the strongest ID Protection names, Protect my ID does offer users the ability to see their reports through Experian.
MetLife Defender specializes in ID Protection with a paid membership. Users can access this service for free during the trial period. MetLife Defender carries the highest level of theft recovery cost insurance, yet does not provide any additional resources or tools with its membership.
Life Lock specializes in ID Protection with a paid membership. Users can access this service for free during the trial period. Life Lock is one of the stronger providers of ID Protection services, but its membership does not offer much in the way of additional tools or resources for users.
Lexington Law is a law firm that sells credit rehabilitation services, but offers a free consultation that includes your credit reports and score. This consultation is difficult to sign up for, especially without automatically signing up for expensive credit rehab services as a part of the process. Potentially an option for free score and report access, but the potential to be up-sold into pricey services you may not need is reason enough to not start your search here.
Annual Credit Report was authorized by the government to provide everyone with free access to their credit reports from each of the 3 bureaus once every 12 months. Annual Credit Report does offer some educational tools, but does not offer any additional products or services. Annual Credit Report is the best place to start for doing a one time check of your credit report, or even an introduction to your credit report, but will not be as helpful for regular monitoring.
TransUnion offers users a credit score and report direct from the bureau through a paid membership, and with the free trial, users get access to all of this information. TransUnion offers a few educational resources, but the credit score provided is on a different scale than a traditional credit score, making it difficult to compare to scores from other bureaus or sites. TransUnion is one of the big 3 bureaus, which is a strong upside, but it is in the middle of the 3 offerings in terms of credit score/report service.
Free Credit Report is part of the Experian suite, and provides users access to their Experian credit report for free. For the basic membership, Free Credit Report is limited, but a variety of add-ons are available through Experian. Free Credit Report is a solid option for a free (relatively straight from the source) bureau report, but that's all the site really offers.
Mint has a broad financial focus, but offers a strong credit score package with its free membership. While score updates only occur every 3 months under the basic package, Mint offers a variety of resources for things like education and budgeting. The dashboard is comprehensive and easy to navigate, to boot. Upgrades include monthly score updates and annual triple bureau reports.
Credit Sesame is one of the better pure credit score websites on the market. While users do not get their credit reports with the free membership, they do get a detailed breakdown in simple terms of the factors affecting their scores. Credit Sesame updates the score frequently, and has upgrades available for users to purchase credit reports and enhanced monitoring services.
Credit Karma is the biggest site on the market touting free credit scores. Users get 2 free scores and reports, and even some advanced tools like debt repayment calculators (coming soon-credit score gaming!). Credit Karma leads the league with a weekly refresh of much of its info, yet lacks some of the user-friendliness and upgraded services of other sites.
Credit.com is just a basic credit score site, but it does a great job at it. Users get 2 different scores, a very helpful dashboard, and even goal-setting tools with the free membership. It features an excellent interface, and solid standard tools and resources. Upgrades are available for users to purchase credit reports and monitoring services through Experian.
Comparecards.com's Credit Concierge offers credit scores and what appears to be a full credit report for free. Credit Concierge's dashboard is potentially the most difficult to navigate, but does appear to contain most of the basics. Despite having the basic information available for a credit check, the interface and dashboard make this site a less strong option compared with sites that have similar offerings.
Free Credit Score is part of the Experian suite, and provides users access to their Experian credit score for free. For the basic membership, Free Credit Score is fairly bare-bones, yet a variety of add-ons are available through Experian. Free Credit Score is a solid option for a free (relatively straight from the source) bureau score, but that's all the site really offers.
Lendingtree provides a strong basic credit score package for free, in addition to its standard loan rate resources. With the credit package, users can see their score, as well as an easy to digest dashboard explaining the components that are helping or hurting their scores. Instead of upgraded service options, Lendingtree provides links to their services which may be helpful based on the user's credit situation.
Bankrate provides a credit membership service that includes all the basics of a credit site for free, and even includes a number of pretty detailed debt paydown calculators. Upgraded memerships are available that include enhanced monitoring and a full credit report. Bankrate's focus as a site is not necessarily on user credit monitoring, but its offering is very strong, particularly for anyone interested in consolidating, refinancing, or paying down debt in the near term, given its unique resources.
Wise Piggy is one of the better pure credit score websites on the market. Users may not get their credit reports, but they do get detailed dashboards and some of the more detailed debt and mortgage paydown calculators that are in the market at this time. Wise Piggy does not currently any upgraded services, but does show users offers that span the full spectrum of debt products. Great starting option for a free credit site.
Quizzle provides a free membership that includes all the basics you could ask for in a credit score site: scores, reports, and educational tools. The site has recommendations for a number of different types of debt products that may help the user save. The big downside of Quizzle is its slow refresh cadence (6 months) compared to other sites, but Quizzle has upgraded memberships available that include faster refreshes and additional services.
Credit Reports and Scores provides users access to a credit score and monitoring through its paid membership, yet under the trial users can still see this information. Credit Reports and Scores does not provide reports as part of the membership, and the score used is not specified. As such, Credit Reports and Scores is not a strong option for checking score, especially when considering other options in the market.
SmartAsset 360 provides access to credit scores and reports from all 3 bureaus, as well as monitoring and ID Protection, through its paid membership. Users can access this information, as well as a number of tools and services, via the trial period. The large amount of information and tools provided make this easily one of the best offerings on the market. However, the site does charge a monthly fee, making it less appealing for longer-term monitoring.
Equifax offers the most comprehensive direct from the source credit scores and reports with a paid membership. Users get scores and reports from all 3 bureaus, as well as very detailed tools and resources to help manage credit. The only real downside is the monthly fee required for ongoing membership. Equifax is one of the 3 major bureaus, and their offering in this space is definitely the strongest of the 3.
Experian oversees a wide range of credit score and report sites and offer a direct from the source paid subscription that provides access to their own credit score and report for a monthly fee. During the trial period, users can see all of this information, and while there is not much in the way of additional tools available, the scores and reports come directly from Experian. Experian does get some benefit since it is one of the big 3 bureaus, but unfortunately probably has the weakest offering of the 3.
Free Scores and More provides users with access to credit scores from all 3 bureaus through its paid membership, yet users can still see this information on the trial period. Educational tools and monitoring are included, but credit reports are not. Given this, it is not a great option for much other than a one-time check of your 3 scores.
Fast 3 Credit Scores offers credit scores from all 3 bureaus as part of a paid membership, yet under the trial users can still see all of this information. Membership does not include reports or many of the additional resources that some of its competitors do. Given this, it is not a great option for anything other than a one time check of 3 scores.
My Score offers credit scores and reports from all 3 bureaus as part of a paid membership, yet under the trial users can still see all of this information. While the dashboard may be a bit complex at first, there are a number of tools and resources available. My Score also offers a unique benefit in its member discounts (available at select partner vendors). My Score is a solid option for a one time credit check, but may not be the best option for an ongoing service given the fees.
Trusted ID focues on ID Protection but also offers credit scores and reports with their paid membership. Trusted ID has a strong offering since it provides credit scores and reports from all 3 bureaus in addition to its ID Protection services. The monthly fee might make this a better option for a one time check under the trial period, but a strong option if interested in ID Protection.
Truecredit is part of the TransUnion suite of offerings, and the package in this case is much the same. The major difference for Truecredit is its initial page focuses more on credit education, and provides easier access to tools for this purpose. If you are looking for a direct from the source score and report with an education focus, this might be the option for you, and may actually be stronger than TransUnion's basic offering (keep in mind the trial period and monthly fee for longer-term use).
Privacy Guard focues on ID Protection but also offers credit scores, reports, and education with their paid membership. Privacy Guard has one of the strongest all-inclusive offerings, but the monthly fee might make this a better option for a one time check under the trial period. If interested in the ID Protection services, this is definitely a site to consider.
Credit Report offers scores and reports from all 3 bureaus as part of a paid membership, but users can access this information under the trial as well. Credit Report does not offer much in the way of additional tools or resources, but does offer information from all 3 bureaus. As such, it is potentially better suited for a one time check under the trial than it is for longer-term monitoring once the fee kicks in.
Credit ID Protect is powered by Identity Guard, and offers what appears to be a slightly less effective version of the same package. Given this, if you are really interested in the ID protection/credit monitoring service they offer, go instead to Identity Guard.
Credit Check Total offers credit scores and reports from all 3 bureaus as part of a paid membership, yet under the trial users can still see all of this information. As such, Credit Check Total is a solid option for a one time check under the trial, but does not carry as much allure for longer-term monitoring due to its monthly fee. There aren't really any extras included in the membership, so this is not going to be a strong option (even within the 'paid credit score' space).
myFICO is the only way to get FICO scores direct from the source. However, unlike most other credit score sites, there is no trial or free option. Both credit score and reports are available, but not much else (e.g. educational tools). Since other sites give you comparable services for free (or cheaper), and you can't even test drive the site, this isn't a strong option in my opinion.
Great card for someone interested in 'getting an AmEx' for the first time. Rewards are not amazing, but there is no annual fee and you still get the AmEx experience. The customer service is great, rewards redemption is very easy, and credit limits are on the upper end of the industry range.