Credit Infocenter
Call Lexington Law 800.461.0524 for a FREE Credit Repair Consultation

Credit Report Offers: Free and For a Fee

Last Updated: March 28, 2017

You know you need to see your credit reports before you even begin to repair your credit, but do know the best places to find them? Even if you already use AnnualCreditReport.com, that’s just scratching the surface. You can see your credit reports through numerous sites all year long — some for free, others for a fee. This comparison guide should help you make sense of the most popular (and legitimate) offers out there, so you can whittle them down into the best possible combination of credit report monitoring and to help you fix your credit.  

How to Order Free Credit Reports

1) AnnualCreditReport.com

Of all the credit report offers on this list, this is the one you do not want to skip. By law, you are entitled to see your credit reports for free — from all three credit bureaus — once a year. This is the authorized site you should be using to exercise this annual right:

NOTE: To see your credit reports, you must provide the personal information necessary to verify your identity and access your records. If you would rather not provide this information online, you can make your request by phone at 877-322-8228. Or fill out the Annual Credit Report Request Form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

866.785.9884 Call for a FREE credit repair consultation & FICO® score from Lexington Law

2) Credit report monitoring

Though seeing your credit reports once a year is helpful, it’s really the bare minimum of credit report monitoring you should be doing on a regular basis. That’s why it’s a good idea to supplement AnnualCreditReport.com with one or more subscriptions to free credit monitoring sites.

Here’s a list of the top sites for seeing credit reports, as well as credit scores (VantageScores, not FICO).

By the way, Credit.com and Credit Sesame only show you a "Credit Report Card" for free; to see the full credit report through these sites, you’ll have to pay a fee. Quizzle also charges a fee for upgrade plans.

Credit.com

*For a fee, you can see your full Experian credit report through Credit.com. (See details in “For a Fee” section below.)

Credit Karma

Credit Sesame

*For a fee, you can see your full Experian credit report through Credit Sesame. (See details in "For a Fee" section below.)

myBankrate

CreditCards.com

Quizzle

*For a fee, you can see credit reports through Quizzle more frequently. (See details in “For a Fee” section below.)

WalletHub

NOTE: If you’re only going to subscribe to one of these sites, make it Credit Karma, as they show you credit reports from both TransUnion and Equifax. But it’s worth signing up for Credit.com, too. Even though the free option only includes a “Credit Report Card,” you at least get insight into your third credit report (and score) – from Experian.

866.785.9884 Call for a FREE credit repair consultation & FICO® score from Lexington Law

3) Credit bureaus

There’s not a lot the credit bureaus offer for free, so it’s worth taking advantage of this free offer from Experian.

Experian CreditWorks Basic

NOTE: This makes a good supplement to Credit.com. Credit.com updates your Experian credit information every two weeks, but it’s only a Credit Report Card. Experian CreditWorks Basic shows your actual credit report.

Credit Reports For a Fee

1) Credit monitoring

All of the following sites offer free services (listed above), but if you want to see your full credit reports through Credit.com or Credit Sesame, it’s going to cost you. The same is true if you want to see your credit reports more frequently through Quizzle.

Credit.com — $21.95/month*

*Start 7-day trial membership for $1. If you don’t cancel before the 7 days is over, the subscription kicks in for $21.95 a month.

Credit Sesame — $9.95 to $15.95/month

Quizzle — $8 to $15/month

NOTE: We do not recommend any of these paid services. You can see your full Experian credit report for free through Experian CreditWorks Basic. You can see your full TransUnion credit report for free every 7 days through Credit Karma (as well as Equifax). WalletHub updates TransUnion credit reports daily. And as for your FICO Score, you can see that for free through Discover Credit Scorecard.

866.785.9884 Call for a FREE credit repair consultation & FICO® score from Lexington Law

2) Credit bureaus

This next section might feel a bit overwhelming. If so, it might be worth skipping to our note at the end explaining why we don’t recommend any of these paid credit bureau services anyway.

Experian

Experian CreditWorks 1-Bureau Credit Monitoring — $21.95/month*

*Start 7-day trial membership for $1. If you don’t cancel before the 7 days is over, the subscription kicks in for $21.95 a month.

Experian CreditWorks 3-Bureau Credit Monitoring — $24.99/month*

*$4.99 your first month

Experian 3-Bureau Credit Monitoring — $39.95 one-time fee

Equifax

Equifax Complete Premiere Plan — $19.95/month

Equifax Complete Advantage Plan — $17.95/month

Equifax Complete Family Plan — $29.95/month

Score Watch 1-Bureau Credit Monitoring — $14.95/month

TransUnion

1-Bureau Credit Monitoring — $9.95/month

NOTE: Since we have already outlined in previous sections how to see your credit reports for free, there is no reason to pay for them through the credit bureaus. Yes, these paid services give you access to FICO Scores. But you can see your FICO Score for free through Discover Credit Scorecard. And if it’s industry-specific FICO Scores you need, pay for them through myFICO.com (details below).

3) myFICO.com

Though it’s never necessary to pay to see your credit reports, it might be worth paying to see your industry-specific credit scores when you’re looking for auto or home financing. In that case, myFICO.com is the way to go.

FICO Essentials 1-Bureau Credit Monitoring — $19.95/month

FICO Ultimate 3-Bureau Credit Monitoring — $29.95/month

FICO Score 1-Bureau Report — $19.95 one-time fee

FICO Score 3-Bureau Report — $59.85 one-time fee

NOTE: Of the four options above, we recommend the FICO Score 3-Bureau Report (for one-time access) or FICO Ultimate (for monthly access you can cancel anytime). The exception would be if you know which bureau a lender is going to check; in that case, 1-bureau credit monitoring may be all you need.

866.785.9884 Call for a FREE credit repair consultation & FICO® score from Lexington Law

Ordering Credit Reports Summary

You’ll find the best credit report offers through:

  1. AnnualCreditReport.com for free reports from all three bureaus once a year
  2. Credit Karma for free reports (and VantageScores) from TransUnion and Equifax all year long
  3. Credit.com for a free Credit Report Card (and VantageScore) from Experian all year long
  4. Experian CreditWorks Basic for free access to your Experian credit report every 30 days

If it’s a FICO Score you need, subscribe to the free Discover Credit Scorecard. And for industry-specific FICO Scores, pay for FICO Score 3-Bureau Report or FICO Ultimate through myFICO.com.

Now comes the next step – figuring out what to do with the information you find on your credit reports. Check out our 20-Step Guide to DIY Credit Repair.

Call 800.461.0524 and speak to a Credit Repair Expert at Lexington Law
Have Questions About Credit Repair? Get Answers with a FREE Consultation
Free Credit Repair Consultation & FICO® score from Lexington Law