Credit Report Services

So, you want to get your credit report, right?
We help you decide which service is best for you!

• Summary - the information you need to figure out what credit service you need
• Comparison - See the most popular sites that offer your online credit information side-by-side

What are the 3 major credit bureaus?
Experian (formerly TRW), Equifax and Transunion. Each credit agency holds different information for you, so if you're one of those people who like to check their credit once a year, I'd suggest a 3-bureau report, which provides all three credit reports at one low price.

How can I get a free credit report?
There are two ways (and only 2 ways) to get a free credit report. So, when you see an advertisement for a FREE credit report, here's the catch.

1. You have been denied for credit.
   If you've been denied for credit recently, you are entitled to a free credit report from the agency that denied you.
   
2. Signing up for a credit monitoring service.
   Credit Monitoring services usually provide a 30-day free, unlimited access to their service, which includes a free credit report, credit score, and credit monitoring. The great thing about this is that they usually don't charge your card until after the 30-day trial is over. So, if you find that the monitoring service isn't useful for you, you still get free access to your credit report and score.

What is a credit score?
A credit score is a number that reflects your credit risk level. Your credit score is a fluid number, and it changes as the elements in your credit report change. A credit score is a leading indicator of one's basic creditworthiness.

Below is a comparison of products and services that the major credit bureaus offer. You may also want to Compare Credit Services by Credit Bureau.

FREE Credit Report with Credit Monitoring
Trial	30 days free	30 days free	30 days free
FREE products	credit report, monitoring, credit score	credit report, score, monitoring & debt analysis	credit report, score, monitoring
Updates	Daily credit updates	Quarterly new credit reports weekly alerts	Daily credit updates
Bureau	Experian	TransUnion	Experian
Web Address	FreeCreditReport.com	FreeCreditProfile.com	Experian.com
Product Name	CreditCheck Monitoring Service	Credit Monitoring	Triple Advantage
Our Choice		X	no debt analysis

3-Bureau Credit Reports
Price	$ 39.95 (w/ 3 free scores)	$ 29.95	$ 39.95 (with FICO score) or 29.95 without
Web Address	FreeCreditReport.com	TrueCredit.com	Equifax.com
Our Choice	X

Single Credit Report
Price	$ 9.00	$ 9.95	$ 9.95
Bureau	Equifax	Experian	TransUnion
Web Address	Equifax.com	ConsumerInfo.com	TrueCredit.com
Our Choice	X (30-day unlimited access)

Single Credit Report and Credit Score
Price	$ 15.50	$ 14.95	$ 14.90
Report	Equifax	Experian	TransUnion
Score	Fico Score	Experian	CreditXpert
Web Address	Equifax.com	ConsumerInfo.com	TrueCredit.com
Our Choice			X