Free Credit Report and Credit Score Online Sites Comparison

By Pinyo, on August 17, 2009

There are a lot of web sites that offers free credit score and credit report. However, many of them are not really free and some have down right misleading advertisement regarding their offers. This list contains some of the most popular web sites that offers free credit report and credit score. From the list, two of them offer completely free official credit report from at least one of the three credit bureaus, with Credit Karma offering a free proprietary credit report. And two of them offer completely free credit score — i.e., Transunion score from Credit Karma and Experian score from Quizzle.

Note that the only site on the list the offers completely free credit score and report is Quizzle.

The list is current as of 8/24/2009.

Website	Cost of Credit Report	Cost of Credit Score	Report type	Score type
AnnualCreditReport.com	Free	Equifax FICO score = $7.95; Experian score = $5.95; Transunion score = $7.95	Equifax, Experian & Transunion	FICO (from Equifax), Experian & Transunion
Credit Karma*	Proprietary	Free	Credit Karma Credit Report	Transunion
CreditReportsandScores.com	Free with 7-day credit monitoring trial; $14.95/mo. after trial		Experian	Experian
CreditReport.com	Free with 7-day credit monitoring trial; $14.95/mo. after trial		Equifax, Experian & Transunion	FICO (from Equifax), Experian & Transunion
Equifax	Free with 30-day credit monitoring trial; $14.95/mo. after trial		Equifax, Experian & Transunion	FICO
FreeCreditReport.com	Free with 7-day credit monitoring trial; $14.95/mo. after trial		Experian	Experian
Identity Guard	Free with 30-day identity theft protection trial; $14.99/mo. after trial		Equifax, Experian & Transunion	FICO (from Equifax), Experian & Transunion
MyFICO.com	Free with 30-day credit monitoring trial; $89.95/yr. after trial		Equifax	FICO
Quizzle*	Free		Experian	Experian
True Credit	Free with 30-day credit monitoring trial; $14.95/mo. after trial		Equifax, Experian & Transunion	Transunion

* Credit card information is not required to get your credit score and report from Credit Karma and Quizzle.

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Pinyo is the brain behind Moolanomy personal finance blog and a few other web sites. If you like this article, please subscribe for free daily email updates.

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13 Comments

Z. G.
August 17, 2009, 18:17

Pinyo,

Another great information article, I like your tables and pictures. You are good at displaying boring but important stuff in a way, that makes easier to understand and compare for me. Thank you.

Zg
Eric
August 17, 2009, 19:42

I read a lot of articles about Credit Karma (definitely the one you wrote) and felt more secure using it. I haven’t really read anything about Quizzle though. What is your opinion of them and do you think they’re safe?

Thanks!
Pinyo
August 18, 2009, 6:46

@Eric If anything, I think Quizzle is safer than Credit Karma because they part of Quicken companies.
My Journey
August 18, 2009, 9:47

Just tried Quizzle last night, solely because of this post. It seems really cool, but in the end tells you the same thing as Credit Karma (except with Quizzle you get an Experian # vs. a CK # – which however are really close).
Pinyo
August 18, 2009, 9:53

@My Journey – Credit Karma gives you TransUnion score and Quizzle gives you Experian score. It’s good to know both score.
My Journey
August 18, 2009, 11:27

I didn’t know Credit karma’s Score was TransUnion I thought it was their own interpretation. Thank you for the clarification.
Eric
August 18, 2009, 18:48

@ Pinyo

Thanks for the clarification! Had no idea Quizzle’s parent company was Quicken. I’m going to try it out right now.
Pinyo
August 18, 2009, 23:43

@My Journey & Eric – No problem. Glad I was able to help.
Charlie
August 21, 2009, 19:29

Be careful with Quizle because its really designed to generate mortgage leads. We have a new ebook called “Your Credit Sucks” that outlines the five steps folks need to take to improve their credit score.

Free download at http://ratenerd.com/your-credit-sucks
Pinyo
August 23, 2009, 12:18

@Charlie Yes, Quizzle promotes Quicken Loan products and Credit Karma promotes affiliate products. This is how they are able to offer credit score and report for free to the public.
zohaib
September 14, 2009, 23:51

(www.creditreport.com) i went to this website to see my one bureau credit report through the trial version and when i was looking at my report i saw a tab showing free 3 bureau credit report and when i clicked on it the 3 bureau credit report was opened without showing i will be charged something or not the other day when i checked my email i got the emails telling that i will be charged for $29.95.i was shocked to see that i didnt authorise for anything like this and why this thing happened even without showing that i ordered something and i am gona be charged for something.when i called the customer service he said yes you ordered the report but i told him i didnt authorise any withdrawal from my bank account but he said u will be just charged 12.95 for the monitoring i asked him is that all?he said yes sir that is all but after few days when i checked my bank account i was charged for 29.95.i was like 29.95 for the reports that i didnt even wanted to order i called back and the refused to refund and said you ordered it so i just lost $30 right away for nothing. be careful with this website they will show you something and will try to find ways to charge you without you permission from your bank account or credit card account that you gave them at the time u made the account so once you are on this website never think that you will get something free from here.such a scam
Cecil Deillison
October 3, 2009, 13:15

I tried quite a few of these services, and my advice is go with annualcreditreport.com. They are completely free, unlike these “free services” who charge your credit card after 7 days or so. Nobody should have to pay to get your credit report, it’s free information.
Charlie
December 6, 2009, 14:51

Cecil is right.

.. and zohaib has a lot of company with the same experience.

This is why: http://www.ftc.gov/freereports

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