Comparison of free credit report websites

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, "AnnualCreditReport.com 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

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AnnualCreditReport.com | Annual full official report (one from each agency) [3] | Equifax, Experian, TransUnion[3] | Yes[3] | No score provided
CreditCards.com by Bankrate  | Monthly full report[4] | TransUnion[4] | Last 4 digits only  | VantageScore 3.0[4]
Credit.com  | 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

* Credit score (United States)
* Fair Credit Reporting Act

## References

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?". https://www.theverge.com/2017/9/8/16276572/equifax-hack-protection-class-action-lawsuit-terms-of-service.
3. ↑ 3.0 3.1 3.2 "Annual Credit Report.com - Home Page". http://www.annualcreditreport.com.
4. ↑ 4.0 4.1 4.2 CreditCards.com. "I just got my free credit report and score at CreditCards.com". https://my.creditcards.com.
5. ↑ 5.0 5.1 5.2 5.3 "Check Your Credit & Make Smarter Financial Decisions". https://www.credit.com/free-credit-score/.
6. ↑ 6.0 6.1 6.2 6.3 6.4 6.5 6.6 "Free score providers -". http://your.vantagescore.com/free.
7. ↑ 7.0 7.1 7.2 7.3 "Free Credit Score - Credit Journey - Chase.com". https://creditcards.chase.com/free-credit-score.
8. ↑ 8.0 8.1 8.2 "Free Credit Score & Free Credit Reports With Monitoring - Credit Karma". http://www.creditkarma.com.
9. ↑ 9.0 9.1 9.2 "Free Credit Score – FICO® Credit Score Card - Discover". https://www.discover.com/free-credit-score.
10. ↑ 10.0 10.1 10.2 10.3 "Credit Sesame Addresses the Confusion: What Credit Score We Use - Credit Sesame". 28 February 2017. https://www.creditsesame.com/blog/credit/what-credit-score-we-use/.
11. ↑ 11.0 11.1 11.2 11.3 "Monitor Your Credit With CreditWise - Capital One". https://www.capitalone.com/credit-cards/benefits/creditwise/.
12. ↑ 12.0 12.1 12.2 "Free Credit Score - Get Your FICO® Score: No Credit Card Needed.". http://www.freecreditscore.com.
13. ↑ 13.0 13.1 13.2 13.3 13.4 "LendingTree - 1-800-310-1860". http://www.lendingtree.com.
14. ↑ 14.0 14.1 14.2 "Mint: Money, Bill Pay, Credit Score & Investing". https://www.mint.com.
15. ↑ "help.mint.com". http://help.mint.com/991928181/Credit-Score-TransUnion-Update.htm.
16. ↑ "MoneyLion - We help you achieve financial wellness". https://www.moneylion.com/.
17. ↑ 17.0 17.1 17.2 myBankrate. "Get Your Free Credit Report and Credit Score Here". https://my.bankrate.com/.
18. ↑ 18.0 18.1 18.2 "Frequently asked questions – MyCredit Guide | American Express" (in en-US). https://www.americanexpress.com/us/credit-cards/features-benefits/free-credit-score/faq.html.
19. ↑ 19.0 19.1 19.2 19.3 "Credit score - NerdWallet". https://www.nerdwallet.com/blog/free-credit-score-and-report/.
20. ↑ 20.0 20.1 20.2 20.3 "Check your Credit Score - SavvyMoney". https://www.savvymoney.com.
21. ↑ 21.0 21.1 21.2 "QLCredit". http://www.qlcredit.com.
22. ↑ 22.0 22.1 22.2 Quizzle. "I just got my free credit report and score at Quizzle.com". http://www.quizzle.com.
23. ↑ 23.0 23.1 23.2 "100% Free Credit Report, Updated Daily – WalletHub". https://wallethub.com/free-credit-report/.

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