Online Credit Report Comparisons * Credit Monitoring Services * Scoring Models * Credit Bureaus * Comparison Chart * FICO Scores

Online Credit Reports & Credit Monitoring Services - Comparison Chart

Last Updated: April, 2012
*Costs subject to change without notice.

With so many choices for credit report and credit score services, which product to choose can be a difficult decision. We are bombarded by television, radio, and internet ads on a daily basis, particularly with the current economic conditions which have no doubt elevated the importance of individual credit scores. If you just want a quick look at your credit, choose a single credit report or a free credit report. The free credit reports usually come with a credit monitoring trial. A credit monitoring service can be a very valuable tool in your credit repair efforts, as well as the fight against identity theft, and there are many out there that are run by large, reputable companies. If you want a complete look at your credit reports and credit scores from all the credit bureaus, try a credit monitoring service or three bureau (tri-merged) credit report.

The reality is, that most of these are the same products and services "repackaged" by different companies, with some variation in pricing and included services. If you purchase a credit monitoring product and you decide that the service is not useful for your personal situation, you typically can cancel within the trial period but still get free access to your credit report and score. Whatever your individual needs, we have researched many of the services out there and have constructed the table below to provide a convenient, side-by-side comparison of the products and services that they offer.

As of Jan 1, 2004, all credit bureaus are required to give out one free credit report per year. However, they are not required to give out your credit score for free. Most bureaus have a charge of $9 - $15 if you want your score included. Don't despair, though; there are ways to get FREE credit reports and scores through signing up for a credit monitoring service. Many credit monitoring services provide a 7 to 30 day free trial, including unlimited access to their service(s), which typically includes a free credit report with a credit score, as well as credit monitoring.

SERVICE	DESCRIPTION
	FreeScore 360 View Your Free Credit Scores From All 3 Bureaus Free 7 Day ScoreSense Trial Daily Credit Monitoring & Alerts $29.95/month After Trial Period
	CreditReport.com Free Credit Score in Seconds Free 7 Day Trial Credit Monitoring with Email Alerts 30 Days Unlimited Access to Credit Score $19.95/month After Trial Period
	FreeCreditScore.com Free Experian Credit Score Free 7 Day Trial Daily 3-Bureau Monitoring Email Alerts of Key Changes to Credit Report $14.95/month After Trial Period
	TrueCredit TransUnion Credit Score with Unlimited Updates 24/7 Email Alerts Daily 3-Bureau Monitoring $16.95/month plus tax for NY Residents
annualcreditreport.com	AnnualCreditReport.com Site is Run by the 3 Major Credit Bureaus Provides a Free Annual Credit Reports as Required by Law Does Not Include a Credit Score

* For more details, please check out each service's websites.