Comparison of free credit monitoring services

The following chart compares websites that provide United States credit reports or credit scores for free. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of credit reports are included, and whether a full Social Security number is needed.

According to the Federal Trade Commission, “ 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 monitoring websites
Name Frequency Credit bureau(s) Full SSN required? Scoring model Annual full official report (one from each agency) [3] Equifax, Experian, TransUnion[3] Yes[3] No score provided by Bankrate Monthly full report[4] TransUnion[4] Last 4 digits only VantageScore 3.0[4]
CreditWise by Capital One Weekly full report[5] TransUnion[5] Yes[5] VantageScore 3.0[5]
CreditWorks Basic by Experian Monthly full report[6] Experian Yes[6] FICO 8[6]
Credit Journey by Chase Weekly summary[7] TransUnion[7] Yes[7] VantageScore 3.0[7]
Credit Karma Weekly full reports[8] TransUnion, Equifax[8] Sometimes[9] VantageScore 3.0[10]
Credit Scorecard by Discover Monthly summary[11] Experian Yes[11] FICO 8[11]
Credit Sesame Monthly summary[12] TransUnion[12] Last 4 digits only[12] VantageScore 3.0[12]
Equifax Core Credit Monthly summary[13] Equifax Last 4 digits only[13] VantageScore 3.0[13]
LendingTree Monthly summary[14] TransUnion[14] Last 4 digits only[14] VantageScore 3.0[10]
Mint by Intuit Monthly summary[15] TransUnion[15] Yes[15] VantageScore 3.0[16]
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]
Nav Every 30 days Experian and Dun & Bradstreet[20] Yes VantageScore 3.0[20]
TransUnion TrueIdentity Monthly full report TransUnion Last 4 digits only VantageScore 3.0[10]
WalletHub Daily full report[21] TransUnion[21] Last 4 digits only[21] VantageScore 3.0[10]

See also

  • Credit score in the United States
  • Fair Credit Reporting Act


  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?”.
  3. Jump up to:a b c “Annual Credit – Home Page”.
  4. Jump up to:a b c “I just got my free credit report and score at”.
  5. Jump up to:a b c d “Monitor Your Credit With CreditWise – Capital One”.
  6. Jump up to:a b c “Free Credit Score – Get Your FICO® Score: No Credit Card Needed”.
  7. Jump up to:a b c d “Free Credit Score – Credit Journey –”.
  8. Jump up to:a b “Free Credit Score & Free Credit Reports With Monitoring – Credit Karma”.
  9. ^ “Why is Credit Karma asking for my entire SSN?”.
  10. Jump up to:a b c d “Free score providers -“.
  11. Jump up to:a b c “Free Credit Score – FICO® Credit Score Card – Discover”.
  12. Jump up to:a b c d “Credit Sesame Addresses the Confusion: What Credit Score We Use – Credit Sesame”. 28 February 2017.
  13. Jump up to:a b c “Monthly Credit Score & Report – Equifax Core Credit – Equifax“. 21 August 2020.
  14. Jump up to:a b c “LendingTree – 1-800-310-1860”. LendingTree.
  15. Jump up to:a b c “Mint: Money, Bill Pay, Credit Score & Investing”. Mint.
  16. ^ “”.
  17. Jump up to:a b c myBankrate. “Get Your Free Credit Report and Credit Score Here”. myBankrate.
  18. Jump up to:a b c “Frequently asked questions – MyCredit Guide | American Express”. Retrieved 2018-06-05.
  19. Jump up to:a b c d “Credit score – NerdWallet”.
  20. Jump up to:a b
  21. Jump up to:a b c “100% Free Credit Report, Updated Daily – WalletHub”. WalletHub.