The Best Credit Report Sites for 2017


By now you already know how important it is to have a strong credit rating. Think about it, we live in a financial world based on your credit score.  It determines the kind car you drive, the home you live in and, in come cases, where you work.  But the reality is that far too many people don’t keep close enough track of their credit.   If you’re not checking your credit reports and monitoring your credit scores regularly, then you are setting yourself up for a potential financial disaster.  A disaster that is easily preventable.   You can check your credit score fast & free at  It allows you a copy of your credit report (from each credit bureau) once per year, for no charge.  We recommend everyone take advantage of this free service.

However, a lot can happen over the course of a year and only checking your credit report once every 12 months is not advisable.  If your identity is stolen tomorrow, it could be months before you are able to pull your credit report again.  The amount of damage that can be done to your finances & credit rating is immeasurable.  You need to continually monitor what’s going on your credit as well as fluctuations in your credit score.

The absolute best way to do this is to subscribe to a monthly credit monitoring service that will alert you of changes to your credit reports, credit scores and much more.  These services are not free. The average monthly monitoring subscription will run about $20.  But you get peace of mind in knowing that if any of your personal information is compromised or your identity falls into the wrong hands, you will be alerted immediately.  This allows you to take action and limit the amount of damage that could potentially be caused.

Credit monitoring is the greatest help when it’s in place BEFORE you become an identity theft victim.  We’ve compiled a list of the best monitoring services where you can get access to your credit scores, reports plus proactive daily credit monitoring.  Most of these companies offer a free trial, so you can see if their service is right for you.  Your identity is one thing you can’t afford to lose. Don’t become a victim of identity theft.

1. Identity Guard

identity guard bannerTOP PICK  – We reviewed dozens of credit monitoring/reporting websites & services and we rank IdentityGuard as our top pick.  IdentityGuard gives you easy, immediate access to your three credit scores from Equifax‚ Experian and TransUnion, monthly credit reports updates, as well as in depth analysis displaying what could be harming your credit. This offer includes a one-of-a-kind identity dashboard that keeps you alerted to what’s going on with your identity and personal information.  You also get award winning credit monitoring with email.text or phone alerts all in one comprehensive package. IdentityGuard is by far the least expensive & most inclusive monthly credit monitoring solution on the market.   You can sign up with no cost for 30 days, & $16.99 / month after the trial period (a savings of $3.00/month).

2.  provides you with UNLIMITED access to your credit report & credit scores.  After signing up, your credit score will be instantly available for your viewing.  Additionally, you will receive credit monitoring of all 3 credit bureaus to help protect you against fraudulent activity that may harm your credit scores.  You will also receive email alerts if there are any critical changes are detected on any of the 3 bureaus.  Sign up for an initial 7 Day Trial.  Monthly cost is $29.99 after trial period.


creditreportcom is run by the Experian credit bureau and gives you fast access to all 3 credit reports plus your FICO scores.  The cost for this comprehensive service is $29.95/month and you will receive unlimited access to your credit score and report, daily credit monitoring of your credit reports, plus email notifications of any major changes to your credit score or report.  This plan is slightly is slightly more expensive than some of the other credit reporting plans, but it’s run by Experian, so you know it’s a quality service from a major credit bureau. but if you only want to get a quick credit score for a dollar, then this may be the option for you.  You can sign up here to get fast access to your credit reports in just minutes.

4. FreeScoreConnect

freecreditscoreconnectIf you want an excellent way to check your credit scores from all 3 bureaus in less than 90 seconds, FreeScoreConnect is an excellent option.  Just complete the short sign up form and you’ll have access to your free monthly credit score and real-time credit report updates.  Plus you can use all of the great free finance tools that come with your  account. Get Your Credit Scores In Than 90 Seconds.


5. TransUnion

tucreditscoresTransUnion also offers you unlimited monthly credit reports as as part of a 7-day $1.00 trial  subscription-based credit monitoring service. Not only do you receive your TransUnion report, but Equifax & Experian as well. There is no risk and you may cancel at anytime during the FREE trial period. At the end of your 7-day trial you will be billed $17.95 monthly to continue having total access to your credit reports, credit scores & total credit monitoring.


myfreescorenow will give you immediate access to your credit scores & reports in just seconds.  With your free 7 day trial you will also receive a personalized report of factors affecting your credit score, See who is looking at your credit. Email alerts of significant changes to your credit report, plus the Score Tracker – An updated credit score each month.  This is a quality service that will let you keep tabs on your credit reports and help you correct any errors so you can improve your credit score.  Sign up for your FREE 7 Day Trial.  $29.95/month thereafter.

7. FreeScore360

freescore360Free Score 360 can get you your credit scores within seconds of signing up and verifying your identity.  You will receive a summary of your TransUnion, Equifax, Experian Scores, powered by ScoreSense.  Get your updated scores & reports each month as part of the service plan.  Plus up to $1,000,000 ID Theft Insurance (conditions apply).  You can sign up for a $1.00 / 7 day trial  to test out the service.  If and $39.95 / month thereafter.  You can cancel at any time.

The Fair Credit Reporting Act allows you the right to order a completely free copy of your credit reports from all 3 credit reporting bureaus annually at However, if you wish to keep even better tabs on your credit reports, you can choose to use a more comprehensive solution which gives you more frequent reports, along with optional monitoring and additional features.

With just an overview of the services these credit report sites offer, it may seem that they’re all fairly similar in what they provide.  This is somewhat true, but there are slight differences in which bureau’s each company provides reporting from, as well as the pricing for their trial periods and monthly costs.  We recommend finding the services that have the options which fit your circumstances and then pick the one with the free trial offer and lowest monthly service cost.  You’ll get the most bang for your buck and not spend more than you need.