Top 5 Free Credit Report Offers

A recent study showed more than 70% of Credit Reports have errors*, which can potentially lead to a lower credit score and higher interest rates. 

There are 3 Main Credit Agencies, (TransUnion, Equifax, Experian) which offer access Credit Reports and Scores directly.  Other companies also purchase these reports and resell them in different packages.  We have taken the best offers from all these companies and rated them below.

You can also order your Credit Report for free from the government once a year, however it will not contain your credit score.

All the services below will let you view your Credit Report and Score for free for a limited time.  You can then cancel or continue to use the service.

Note that Running Your own Credit Report will not affect your Score.

Top 5 Free Credit Report Offers Ranked:

Rating	Credit Report Offer	Cost	Free Period	Description
	MyFico.Com ScoreWatch	$79.95/Year	30 Days	Reports and Monitoring from Equifax, Free Official FICO Credit Score based on Equifax.
	Trans Union	$9.95/Month	30 Days	Unlimited Free Credit Reports and Scores from Trans Union, Identity Theft Insurance up to 25K.
	Experian	$9.95/Month	30 Days	Reports and monitoring from Experian only with Experian Credit Score. Identity theft insurance up to 25K.
	Equifax	$9.95/Month	30 Days	Unlimited Free Credit Reports and Scores from Equifax, Identity Theft Insurance up to 25K.
	Privacy Matters	$29.95/Month	7 Days	Unlimited Credit Reports from all three credit bureau reports, 3 Credit Scores, daily monitoring of your credit report.  Identity Theft Insurance up to 25K.
	Free Annual Credit Report Only -No Credit Score Included	Free Credit Report Once a Year	N/A	Once a Year free credit report from all three agencies, $21 extra for all Three Credit Scores.