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Find the Best Credit Report Sites

Use our guide to research the best credit report company for you. Credit reports are detailed accounts of an individual's credit history that are officially prepared by credit bureaus. Lenders refer to credit reports to determine a person's creditworthiness for loans, mortgages and credit cards. The three major credit bureaus are Equifax, Experian and TransUnion.

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Identity Guard
Read 44 Reviews

Choose individual identity theft protection plans from $6.67–$16.67/month or a family plan for $10–$23.33/month. Get email and text alerts with ID verification and monitoring, plus $1 million identity theft insurance.

Learn More Call Now Toll Free (855) 905-2396
IdentityForce
Read 708 Reviews

Protect your identity with a comprehensive identity theft plan starting at $9.99. All plans offer identity recovery and $1 million ID theft insurance. Sign up and receive a 30-day free trial today.

Learn More Call Now Toll Free (844) 203-1980
Nav Business Credit Reports
Read 9 Reviews

Nav is a business financing marketplace founded in 2012. It helps small business owners keep track of their business and personal credit reports, and connects them to business financing options that will work for them.

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Credit Sesame
Read 478 Reviews

Choose from 3 monitoring options for $9.95–$19.95 a month, with text/email alerts and identity theft coverage up to $50,000. A free membership option with minimal perks and a smartphone app are also available.

LifeLock
Read 2,530 Reviews

Get identity theft protection for $9.99–$29.99/month. Reimbursement funds up to $1 million. Highest service option includes recovery assistance and tri-bureau credit monitoring. Annual payment plans available.

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PrivacyGuard
Read 79 Reviews

PrivacyGuard is a company that offers credit reporting with access to three bureau credit reports, identity theft protection and regular credit monitoring services. The company is headquartered in Stamford, CT.

Experian
Read 1,729 Reviews

Offers credit monitoring and identity theft protection. Free and paid subscriptions available. Provides free Experian Boost service to help raise your FICO score by adding phone and utility bill payments to your credit history.

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Rapid Credit Reports
Read 7 Reviews

Rapid Credit Reports, Inc. has been in business for over 20 years. They provide homeowners and business with reporting solutions like employee screenings, credit reports and more.

myFico.com
Read 20 Reviews

Sign up for a one-time credit report or ongoing credit reports from this website, starting at $19.95. When you sign up, you’ll be notified via text or email within 24 hours of a change in your monitored credit data.

Credit Karma
Read 477 Reviews

Credit Karma was founded in 2007 to educate consumers about credit scores. The website shows users their credit score, has tools for understanding what will affect their score and recommendations for saving money/reducing debt.

Common credit report questions

What is a credit report used for?

Credit reports are maintained by three reporting agencies: Experian, TransUnion and Equifax. Lenders use credit reports to investigate a person's financial background and history. It's important to stay current with your credit report to track any potential inaccuracies and remain aware of your credit profile. It’s vital to be aware of your credit profile and to know how to check your credit score if you apply for a loan or rent an apartment.

  • Buying a house: When buying a house or applying for a mortgage, the FICO score along with a credit report will impact the borrower’s interest rate. Typically, a higher FICO credit score leads to a lower mortgage loan interest rate.
  • Leasing a car: Leasing a car also requires that the customer has a good credit report and is likely to fulfill the commitment to make the lease payments.
  • Applying for a loan: Loans, whether they are student loans, personal loans or other types, require access to the borrower’s credit report.

How do I get a copy of my credit report?

Some credit reports are free while other firms charge a fee for credit report access. The government’s site AnnualCreditReport.com gives all citizens free access to one credit report from each credit bureau annually.

  • One-time report: Many credit monitoring companies offer one free credit report every year to consumers. There is typically a fee for more frequent credit report access.
  • Credit card required: Some, although not all, credit report companies require a credit card number for the free trial and will charge a one-time or monthly fee for their credit services when the free trial period is over.
  • Recurring charges: Some credit report sites offer credit monitoring and additional credit-related programs and services for a recurring monthly fee.

How can you dispute your credit report?

Some credit report sites offer assistance disputing credit reporting errors or guidance after identity theft.

  • Missed payments: Missed payments reported in error can have a negative effect on a credit report. Some credit bureaus help consumers file a dispute.
  • Fraud: Credit reporting companies can help consumers monitor their credit and resolve fraudulent charges on their accounts.
  • General errors: It's possible to find general errors on a credit report that can lower one’s credit score. Consumers can enlist the credit reporting companies to investigate the errors.

What is a fraud alert?

Identity theft is a serious issue that can be detrimental to one’s credit. Many credit reporting companies offer credit monitoring with fraud alert services to quickly inform consumers of potential threats to their credit profile.

  • Fee: Depending on the credit report company, there may be an additional fee for the fraud alert, or it may be included in a credit management package.
  • Unusual charges: Some credit monitoring services will alert consumers if an out-of-character charge appears on their account.
  • Account freezing: Some credit report companies assist consumers in freezing their credit at the credit bureaus. This prevents unknown individuals from opening accounts in the customer’s name.

Types of credit reports

Single bureau

A single-bureau credit report provides information from one of the three major credit bureaus. Consumers should be aware that the three credit bureaus don’t always have the same credit information. One bureau might include different portions of a consumer’s credit history than another.

Triple bureau

A three bureau online credit report provides credit reports from all bureaus. This allows consumers to see everything that is reported about their credit and financial history. Viewing all three credit reports from each reporting agency offers the most complete picture of a consumer's credit history.

Identity theft prevention

Some companies specialize in helping consumers protect their identity from being stolen in addition to providing credit reports. Identity theft specialists also assist consumers after their identity has been compromised.

Credit score sites

Various businesses provide a credit score that helps consumers understand how a lender will view their credit-worthiness. Other credit score sites also provide credit reports.

Credit report sites FAQ

How can I check my credit score for free?
It’s easy to get a free credit report, but the main credit bureaus don’t usually include a credit score. Many credit card companies provide their cardholders with free credit scores. You can also ask your bank or credit union if it provides your credit score for free. Certain websites, like Credit Karma, offer credit scores at no charge. The Consumer Financial Protection Bureau warns consumers about signing up for a free credit score as part of a monthly credit monitoring service, then forgetting to cancel before the trial period ends.
What are the 3 main credit bureaus?
The three main credit bureaus, also known as credit reporting agencies, are Equifax, Experian and TransUnion.
Should I pay for credit monitoring?
Many of the features of credit monitoring — alerts when a company checks your credit, when a new loan is opened in your name, when your credit limit changes — are things you can monitor yourself at no charge by accessing your credit report for free.

If you are offered free credit monitoring after a data breach, consider accepting. If you decide to purchase credit monitoring, ask the service these questions:

  • Which credit bureaus do you monitor?
  • How often are you monitoring reports?
  • Can I view my credit reports as often as I want, or is there a limit?
  • Do I have access to any other services (e.g., viewing my credit score)?
Does free credit report affect score?
No, checking your credit report will have no effect on your score. Check your credit report regularly to make sure it’s accurate. You’re allowed to request a free credit report once every 12 months from each of the three major credit bureaus.
Can you run a credit report on a business?
Yes, though you will have to pay to view a report. The major credit bureaus for businesses are Dun & Bradstreet, Equifax and Experian.
Is a credit report the same as a credit score?
No, your credit report and credit score, though related, are two different things. Your credit report has information about your past and current credit activity, which is used to calculate your credit score. Keep in mind that your credit report will look slightly different depending on the credit bureau, and there are distinct scoring models from FICO and VantageScore (and variations of each).
How much does it cost to monitor credit?
Professional credit monitoring costs $10 to $30 or more per month. If you’ve been a victim of a data breach, you may qualify for free credit monitoring. If you decide to pay for credit monitoring, make sure you understand which bureaus the service is monitoring, how often reports are checked, what access you’ll have to your reports and whether other services are included.

Recognize that many of the functions credit monitoring companies perform are things you can do yourself. You can also benefit from free services like putting a security freeze or fraud alert on your credit report.

Does credit monitoring affect credit score?
No, credit monitoring doesn’t affect your credit score. Credit monitoring involves soft inquiries into your credit file, which do not change your score.
What credit score do you start with?
Each person starts with no credit score. This doesn’t mean it starts at zero — it means your credit score doesn’t exist at all. Once you begin establishing a credit history, your very first credit score will likely start somewhere between the low and high end of the credit score range.
Can disputing hurt your credit?
There’s a chance that a dispute could temporarily lower your credit score, based on how the scoring algorithms treat the information in dispute. Still, if you see an error on your credit report, you should dispute it with both the credit bureau and the company that sent the information. Disputes are normally resolved quickly, and if there is a legitimate error, your credit will not be negatively affected.

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    Credit report website reviews

    Credit Sesame

    Credit Sesame is a credit and loan management company. It offers a free credit monitoring service with monthly credit reports, charts to track your financial health over time, identity theft protection and more. You can also use the service to set financial goals and track your home value.

    Read More
    PrivacyGuard

    Privacy Guard is a comprehensive credit reporting, monitoring and identity theft protection service that offers resources to help consumers maintain good credit and repair their credit history.

    Read More
    AnnualCreditReport.com

    AnnualCreditReport is authorized by Federal law to provide free credit reports to consumers. AnnualCreditReport.com is a highly respected service offering credit and identity theft information.

    Read More
    CreditReport.com

    CreditReport.com is part of ConsumerInfo.com, Inc. and was founded in 1995. It is an Experian company and a partner of freecreditreport.com and freecreditscore.com as well as many other sites. The site was founded to give consumers fast, low-cost credit profile access.

    Read More
    Experian

    Experian is a leading global information services company providing data and analytical tools to clients worldwide. The firm helps businesses manage credit risk, prevent fraud and more. The company assists individuals against identity theft. The company offers an abundance of services for individuals and businesses. They have over 17,000 employees in 80 countries.

    Read 1729 Reviews
    Equifax

    Equifax is one of the three biggest credit bureaus in the United States. They work with over 800 million consumers and 88 million businesses worldwide. Equifax has grown from a consumer credit company into a multifaceted information company.

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    TransUnion

    TransUnion is a global risk information solutions company. The company is committed to providing the most complete and multidimensional credit information. TransUnion works with businesses and consumers in 33 countries. They have been in business for over 40 years and partner with TrueCredit.com to help millions of customers improve their credit.

    Read More
    CreditExpert

    CreditExpert.com is part of the ConsumerInfo.com family that is under the Experian umbrella. They were founded in 1995 and work to give consumers access to credit reports, monitoring and other credit-related information.

    Read More
    FreeCreditScore.com

    Freecreditscore.com is owned and operated by Experian and a member of ConsumerInfo.com family. The company offers membership services to help consumers maintain good credit.

    Read More
    Freecreditreport.com

    Freecreditreport.com is another member of ConsumerInfo.com family, which is under the Experian Umbrella. The company has been in operation since 1995 and is a membership service that helps with a variety of credit-related needs.

    Read More

    Compare Top Credit Report Sites

    AnnualCreditReport.com
    Read 143 Reviews

    Annual Credit Report offers customers free access to their credit reports from all of the three credit reporting companies once every 12 months. Their easy-to-use, encrypted website is maintained by Central Source, LLC.

    CreditReport.com
    Read 81 Reviews

    CreditReport.Com is a service that allows users to access all three of their credit reports. The company give consumers quick, easy and inexpensive access to their credit profiles to help them monitor their personal finances.

    ChexSystems
    Read 53 Reviews

    CreditExpert
    Read 179 Reviews

    CreditExpert is a company that belongs to ConsumerInfo.com, an Experian Company. It was founded in 1995, and serves to give customers unlimited access to their Experian credit report and score, and to guard their identities.

    FreeCreditScore.com
    Read 76 Reviews

    FreeCreditScore.com is a company that is owned and operated by Experian. The company offers its customers access to their credit scores for free, and will also provide an Experian Credit Report and FICO Score for $1.

    Equifax
    Read 1,279 Reviews

    Equifax is a company headquartered in Atlanta, GA that offers online tools to manage and monitor credit reports and scores. They also offer identity theft insurance and assistance, and social security number monitoring.

    Freecreditreport.com
    Read 259 Reviews

    Freecreditreport.com is a company that is owned by Experian. The company offers its customers the ability to access their credit reports and FICO Scores for $1, as well as a credit report (with no score) for free.

    TransUnion
    Read 868 Reviews

    TransUnion offers free access to credit scores, credit reports for $1, analysis and alerts and identity protection for members. The company, which was started in 1968, services customers in 33 countries across the world.

    by Barbara Friedberg Personal Finance Contributing Editor

    Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.