Comparison of free credit monitoring services


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.
According to the Federal Trade Commission, "AnnualCreditReport.com is the only authorized source for the free annual credit report." Care should be taken when providing a full Social Security number to any other website.
NameFrequencyCredit bureauFull SSN required?Scoring model
AnnualCreditReport.comAnnual full official report Equifax, Experian, TransUnion
CreditCards.com by BankrateMonthly full reportTransUnion
CreditWise by Capital OneDaily full reportTransUnion
CreditWorks Basic by ExperianDaily full reportExperian
Credit Journey by ChaseWeekly summaryTransUnion
Credit KarmaDaily TransUnion & Daily Equifax full reportsTransUnion, Equifax
Credit SesameMonthly summaryTransUnion
Equifax Core CreditMonthly summaryEquifax
FICO Free Credit Score PlanMonthly summaryEquifax
LendingTreeMonthly summaryTransUnion
Mint by IntuitMonthly summaryTransUnion
myBankrateMonthly full reportTransUnion
MyCredit Guide by American ExpressWeekly full reportExperian
NerdWalletWeekly full reportTransUnion
NavEvery 30 daysExperian and Dun & Bradstreet
TransUnion TrueIdentityMonthly full reportTransUnion
WalletHubDaily full reportTransUnion