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CREDIT REPORTS & CREDIT SCORES
If you are simply seeking out your credit reports, you can access them for free once a year via annualcreditreport.com. However, if you are looking to get no cost access to your credit scores, the best way to do so is through a free trial of a credit monitoring service. Some free credit monitoring trials provide up to 30 days of access to their services, which usually include all three of your credit reports and at least one of your credit scores. The best credit monitoring services provide access to all three of your credit scores, as your scores may be vastly different at one or more of the main bureaus.
Below you can compare offers that provide free trials with access to your credit scores. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.
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IDENTITY GUARD® - EDITOR'S PICK |
 
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- Get free access to your credit scores from Equifax®, Experian® and TransUnion®.
- Free daily monitoring of your credit information for 30 days
- Notification of changes to your credit files, public records, personal data on the internet, sent by text message directly to your cell phone.
- Easy signup and quality customer service
- Cancel anytime
- $14.95 monthly fee for credit monitoring should you choose to continue using this product after the 30 day trial ends.
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EQUIFAX CREDIT WATCH GOLD WITH 3-IN-1 MONITORING AND SCORE POWER |
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- View your Equifax credit score online.
- Free 7 day credit monitoring trial
- Knowledgeable Customer Care 24 hours a day, 7 days a week
- FREE Score Power Report — An explanation of what your score means and how it compares to national averages. Plus, an interactive score simulator that predicts your FICO® score based on certain actions you could take
- Up to $1,000,000 Identity theft insurance
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FREECREDITSCORE.COM |
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- Provides access to your Experian credit score at no charge with enrollment in their free trial.
- If you don't cancel your membership within 9 days of enrollment, you will be billed $14.95 for each month that you continue your membership.
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TRUECREDIT.COM 3-BUREAU MONITORING |
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- Offers access to 3-Bureau Credit Scores that can be updated every 30 days for $14.95 (no free trial available)
- Notification within 24 hours of critical changes to all 3 reports
- Up to $25,000 ID theft insurance at no additional cost
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PRIVACY MATTERS 3-IN-1 CREDIT REPORT AND FREE TRIPLE CREDIT SCORE |
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- Offers a 7-day FREE Trial
- UNLIMITED Access to your Credit Scores
- Get all 3 Credit Scores in one convenient online source
- Charges a $1 fee and renews for $29.95 per month if you do not cancel your report within 7 days. You must request a refund of the $1 processing fee when you cancel.
- Editor's Note: It is much easier to cancel ID Guard and we have recieved complaints about the difficulty of cancelling this service. Therefore, we suggest using ID Guard unless you have already used that offer.
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Making Sure Your Free Credit Score is Free
Companies that offer free credit scores online require that you sign up for a trial of their credit monitoring products. Some people may find these services useful, as they provide a number of helpful tools to better understand your credit. However, most people simply want to see their credit scores and reports. If a free credit score is all you want, then getting your report is an easy two step process. First, sign up to get your report from one of the companies above. After you’ve accessed your report, wait about 2 days. Then, call the service you have subscribed to and request cancellation. The credit monitoring companies will grant your request. We recommend canceling your account early, only because many people forget to cancel if they wait too long. Plus, you can still take advantage of the full trial, regardless of when you cancel.
*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
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