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Credit Reports & Free Credit Scores

 

With countless free credit reports available, finding the best one can be very confusing. When it comes to credit reports people are not always looking for the same things. You may want credit monitoring, a FICO score, or a free trial. At ComparedForMe.com we have tried the best credit reports on the market and compare them side by side for you.

 

Credit Monitoring Comparison Chart

Service Name





Free Trial Period
30 day FREE trial / $14.95 per month
7 day FREE trial / $14.95 per month
7 day FREE trial / $14.95 per month
No free trial / $14.95 per month
7 day FREE trial / $29.95 per month
Credit Reports Included
All 3 Bureaus
All 3 Bureaus
$1 charge for credit report
All 3 Bureaus
All 3 Bureaus
Credit Scores Included
Credit Scores from all 3 Bureaus
FICO score from Equifax
Experian PLUS Score
Credit Scores from all 3 Bureaus
Credit Scores from all 3 Bureaus
Extras / Tools
Identity Theft Protection
Score Power Tips
Triple Advantage GUARANTEE Against ID Theft
Ability to Update Your Score Instantly
Option to Join the Savings Club
Overall
Most Complete Credit Monitoring Available
Best Credit Monitoring for your FICO score
A Trusted Name in Credit
Complete Monitoring with Unlimited Credit Score Updates
Complete Scores and Free Trial

Total Protection from IDENTITY GUARD® is the most complete credit monitoring product on the market.  You get complete access and monitoring to all 3 files and all 3 scores, as well as email alerts and updates if changes are made to your credit profile.  Included with the credit monitoring is enrollment ID Guard, the most comprehensive security package on the market.  It includes antivirus - antispyware software, PRIVACYPROTECT software to encrypt your keystrokes, and lost wallet protection to assist you if your credit cards are stolen.  For complete credit monitoring and identity protection this is the best offer available.  This service has a 30 day free trial after which you will be billed $14.95 monthly.  This is the best deal on the list because it is best priced and it has the most to offer. 


Equifax Credit Watch Gold 7 day trial monitoring provides you with the ultimate credit monitoring of all 3 bureaus.  In addition to the credit monitoring you will receive your Equifax FICO score.  This service comes with Score Power which provides you with explanations about your score along with tips for improving it.  The service has email alert notifications to let you know if any activity has taken place on any of your credit files.  This credit monitoring comes with a 7 day risk free trial.  After the trial period you will be charged $14.95 a month. Being one of the 3 major credit bureaus, Equifax provides one of the most consumer friendly products among credit monitoring services.  The low monthly fee puts it near the top of our list.  While you are not provided with all of your scores, the one that you do receive is your FICO.  This is the best offer for someone who wants credit monitoring of all 3 bureaus and their FICO score.


The Experian Triple Advantage Credit Monitoring became popular with the FreeCreditScore.com commercials.  This service provides monitoring of all 3 credit files.  Included with the sign up is your Experian's own PLUS Score & the option to purchase your Experian credit file for $1! The credit score is available for 7 days online free.  The credit monitoring service cost $14.95 if you do not cancel within 7 days of signing up. Experian is one of the most trusted companies when it comes to your credit and personal identity.  The company, combined with the low cost, and free trial period, puts Triple Advantage credit monitoring near the top of the list. 


If you want complete credit monitoring and don't mind that it does not have a free trial, then this is the offer for you.  Through TrueCredit.com, TransUnion provides you with a credit monitoring product that comes with the ability to update your profile every 30 days.  This is one of the best features about this product.  You can do these updates without harming your credit standings.  This feature is available for as long as you are a member of the program.  You get complete access to all three profiles and all 3 TransRisk Scores.  True Credit provides you with updates via email and gives you full access to their wide array of credit tools, including the credit score tending tool.  This credit monitoring services does not come with a free trial and costs only $14.95 a month. No free credit offer here, but the best credit monitoring we found.


Privacy Matters is another great product for getting one of the most complete credit monitoring offers available.  When you sign up for Privacy Matters 1-2-3 you will receive all 3 of your credit scores and profiles from TrueCredit with a 7 day free trial.  In addition to your reports Privacy Matters will provide you with the option for a no cost debt analysis, computer protection software, and a credit card registry service to assist you in the event that your wallet is stolen.  Privacy Matters give you the option to join 24Protect, a premier shopping and savings program.  The credit monitoring service costs $29.95 a month after the trial period. This offer is a service for those who are looking for complete credit monitoring.