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The following chart compares websites that provide United States credit reports or credit scores free of charge. 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.
AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
Many credit card issuers offer access to your credit score for free (some even offer credit monitoring). If a credit-tracking app or website does make an inquiry into your file as part of its ...
Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive a free copy of their consumer report from each credit reporting agency once a year. [7] The free report can be requested by telephone, mail, or through the government-authorized website: AnnualCreditReport.com. [8]
Many banks offer a free credit score service to their customers. Discover will even provide your credit score for free even if you aren’t a customer. It’s easy to check through your bank:
For example, money management sites such as Mint allow you to check your credit, and your credit card company may also offer you the option to monitor your report and credit score. You will also ...
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