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Credit Report & Score Services
Compare and review all credit reports and score services.


Credit Comparisons & Reviews

Services: Our Ratings: Bottom Line:
Identity Guard Rating:
 Most comprehensive service w/ tons of features; free 30-day trial
Equifax with Score Power Rating:
 Free FICO score & 3-in-1 credit report plus 3-bureau monitoring
CreditCheck Total Rating:
 Unlimited reports & scores from all 3 bureaus, free 7-day trial
FreeCreditReport.com Rating:
 Free Experian credit report and score plus cheapest 3-bureau monitoring solution
True Credit 3 Bureau Rating:
 Unlimited access to all three reports and scores but no free trial
myFICO Rating:
 Best way to monitor your FICO score but otherwise limited
Equifax Rating:
 Cheapest way to monitor all 3 bureaus but no credit score info
TransUnion Rating:
 Cheapest way to get unlimited reports & scores but only monitors 1 bureau

NextAdvisor Credit Report Blog Headlines

Resolve to improve your credit score in 2009
When you sign up for a 30 day free trial of Equifax’s credit monitoring service, you’ll also get a free Equifax credit report and your FICO score. Your Equifax credit report and FICO score will have a section devoted to explaining what, exactly, your FICO score means. This section tells you where your score falls [...]

Will New Federal Reserve Rules End Rate Jacking?
We pointed out a couple months ago how the credit crisis could be lowering your credit score, even if you paid all your bills on time and in full. A related problem we’ve seen occurring all too frequently in the last month has been so-called rate jacking. The definition of rate jacking is when a [...]

LifeLock teams up with TransUnion
LifeLock, one of our favorite identity theft protection services, has entered into an agreement with TransUnion, one of the three major credit bureaus, in order to enhance the protection that LifeLock members receive. By working with TransUnion, LifeLock automate and streamline many of its processes, including setting fraud alerts with the credit bureaus and ensuring [...]

Credit 101
If you are a high school or college student, now is the best time to begin establishing a credit history, and that means that it’s also time to learn how to use credit responsibly. You may have one or two credit cards already, or perhaps you’re just beginning to consider applying for your first. Either [...]

Why Monitoring Your Credit Score Is More Important Than Ever During The Credi...
As if life weren’t hard enough already during this economic downturn, another side effect of the credit crunch is that your credit score could go down even without any negative information being added to your credit report! That’s right, even if you’re able to continue to pay all your bills on time, and pay [...]

Department of the Treasury?s online game teaches kids about credit
The Ad Council recently launched a new website on behalf of the U.S. Department of the Treasury in order to educate young people about how to use credit responsibly. Players gather information about debt management, credit history and credit cards in order to progress through the game and unlock “Room 850″ in a virtual hotel. [...]

Reader Question: What service is best for protecting my identity and monitori...
Q: I would like to monitor my credit and make sure my identity is protected as well. Which service is best for me? A: If you want to protect your identity and get access to your credit report and score, then Identity Guard is likely the best service for you. There are two types of identity [...]

Data Breach Alert: 2,000 investment firm clients, including Supreme Court Jus...
Just over six months ago, an employee of a McLean investment firm inadvertently exposed private company files while using LimeWire. This breach exposed the names, dates of birth and Social Security numbers of about 2,000 of the firm’s clients, including Supreme Court Justice Stephen G. Breyer and a number of high-powered lawyers. The breach was [...]

A foreclosure on your credit report can make renting an apartment nearly impo...
As foreclosures rise, former homeowners with blemished mortgage histories are flooding the rental market. Unfortunately, landlords are often hesitant to rent to applicants whose credit reports show a history foreclosures, short sales (when a house is sold for less than the amount owed on the mortgage) or deed-in-lieu of foreclosure (when a homeowner gives up [...]

Lost laptop computers may cost you more than you realize
The recent Ponemon Institute survey, commissioned by Dell, sheds light on just how many laptops are lost or stolen at U.S. airports. At 36 major airports, lost laptops total more than 10,000 a week. When smaller airports are taken into account as well, the total number of lost laptops rises to 637,000 a year. Laptops [...]


Did you know?

Did you know that having bad information on your credit report or a low credit score may be costing you literally thousands of dollars a year in higher payments? Did you know that your credit report and score can determine whether you can get anything from a mortgage to an apartment to a job or even a cell phone? Did you know that identity theft is the fastest growing crime in the U.S. and that you can guard against it by monitoring your credit report? You need to know what is on your credit report and what your credit score is.

How Does It Work?

Credit monitoring services constantly monitor your credit report for any changes and send you an email alert whenever a change occurs. Most also give you free credit scores and free credit reports plus explanations of what factors are helping or hurting your creditworthiness.

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Free Trials

Many of our recommended services offer free trials. If you're not sure you want to subscribe to a service or just want to check out your credit report and score for free, then try a service with a free trial and simply cancel within the trial period if you don't want the service and you will pay nothing.

View all services, including those with a free trial and free credit report & score.