Best Sites to Get Your Credit Report Online

Your credit report is like the most important report card of your adult life. The information it contains help determine the house you live in, the car you drive, and sometimes even the place you work. Naturally, you need to make sure you know what information your credit reports contains so you can verify that it is correct. The last thing you want is to be caught unaware if someone makes a mistake when reporting to the credit bureaus or even worse steals your identity and start wrecking havoc on your credit history.

Because of revisions to the Fair Credit Reporting Act you have a number of options when it comes to ordering your credit reports online (something that wasn't available not too many years ago when people had no way of knowing what was on their credit reports). You have the right to order a completely free copy of each of your credit reports once every 12 months or you can opt for more inclusive "free" credit report offers with add-ons like credit monitoring and ID theft protection.

Listed below are the top ten sites for ordering your credit reports online.
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The Top Ten

1
IdentityGuard.com
Get all three credit reports and credit scores plus $1 million Id Theft Insurance for three weeks for $3. Goes up to $17.99 per month after 3 weeks if you want to continue with the service.

2AnnualCreditReport.com
The free site where you are able to order one copy of your credit reports from each of the credit bureaus once every 12 months.
Never received a copy of my credit report by mail, only saw one online. I made some disputes but I haven't heard anything. Not worth it
Does not give you all of your information. It also cycles into a lock up where you can't get back to the site without signing up or signing out. NOT a good website.
[newest]
I got the message that all three reports were unavailable online and that I'd have to call to request a written copy. Never received any of them.

3CreditReport.com
Also offers the $1 7 days trial with enrollment in Triple Advantage. Site has tons of good information about credit and credit scoring.

4Credit Karma
Ad supported site that pulls your credit report from one of the three credit bureaus and provides your credit score and tons of information about your credit absolutely free. You don't see your actual credit report, but you get a detailed breakdown of what factors in your credit report are affecting your credit score which may be even more useful to you.
Credit Karma never asks for your credit card number therefore it's the best credit score service. You shouldn't have to pay to get your credit score.
Credit Karma lists my FICO score for Transunion as 650, but when applying for a credit card I was informed by the company that it is 587... So don't trust their scoring.
[Newest]I am in love with this site! It does what it says, stays on top of my credit and is so safe. Honestly, I feel safe and capable of fixing my credit problems. Thank you Credit Karma

5Experian
Pretty much the same as FreeCreditScore.com but currently charges $1 for the 7 day trial.

6TransUnion
7 day free credit monitoring, $14.95 per month after that. $25,000 ID theft insurance.

7myFICO
Get your credit score from the company that creates the credit score lenders actually use.
Fact #374: myFICO is the only place online that provides a real credit score. All other websites will only provide a general summation.
It is NOT free... They charge you $20 for your fico score for all three agencies. What a scam. : (
[newest]
Terrible site, terrible customer service. I was locked out of the site before even finishing registering, and my credit card was still charged. Thumbs down.

8Equifax
Charges $16.95 per month for monitoring of all three credit reports, unlimited access to your Equifax report and score, credit score estimator and $1 million ID theft insurance.

9Lexington Law
$9.99 for your TransUnion credit report which at first doesn't seem like a good deal with all the other offers out there, but in this case your credit report is just the first step in enrolling with the largest, most trusted credit repair law firm in the nation. Go beyond simply finding out what is on your credit reports and start working to clean them up. And if after you order your report you determine you don't really need credit repair, you can cancel the Lexington Law service free of charge.
When I started with Lexington my score was 585 I've been with them now 5 months and my score is 763. Kind of pricey at 100.00 a month but well worth it, they have done everything they said they would do plus more. I highly recommend lexington law.
Awesome Service! I recommend it to everyone I know. They do exactly what they advertise. Keep tabs of what is happening every minute with their website... Just doesn't get any better than this for all in one credit service. Reports, repair, rebuild...
[Newest]Lexington law had helped me in the past so much. I was young and didn't know how to dispute things and I was ignorant with my credit but they helped boost my score quick!
Visit Lexington Law Website

10CreditCheckTotal.com
$1 Trimerge when you sign up for their monitoring service. Can cancel within 9 days and not be charged the $29.95. However, their monitoring service is very good. Sends email and can receive text when new updates happen. Great service, nice formatting. However, it does not give accurate credit scores. Uses the 330 to 830 scoring module which is useless. Only legitimate score is W. MyFICO. Com
W. VantageCA. Com

Esteembuilder


The Contenders

11MyIQReport.com
Great Service I would Recommend it hands Down! Score Simulator, Identity Theft Protection, Monthly Updates, Scores, Report Alerts and NO ADS!

jcarmona9

Easy to use and you get all three credit bureaus and scores for a great price.
Great Service! Reliable Credit Reports! No Advertising! I love it!

jcarmona9


12Quizzle
Quizzle appears to have the complete credit report with lots of credit tools and helps you dispute online.
Quizzle is the only place on the web where you can get a truly free VantageScore credit score and an Equifax credit report. You won't find this combination anywhere else on the web.
simple and free works with Experian and doesn't need a credit card to see the score with the report.

13FreeCreditScore.com
Site owned by Experian where you can order copies of your credit report with credit scores. Note that it is only free if you make sure to cancel within 7 days. If not, you will be enrolled in Triple Advantage credit report monitoring which currently costs $14. 95 per month and includes unlimited access to your Experian credit report and credit score and daily monitoring of your Equifax and TransUnion credit reports.
Great layout, has helped me monitor my credit and alerted me to a new credit card I didn't have. Turned out to be fraud and they helped me dispute it and get it off my report. The membership fee is worth it especially when it saved me from serious issues with fraudulent cards.

14Credit.com

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This list was created 4 years, 5 days ago and has been voted on over 200 times. This top ten list has been remixed 1 times.

Updated Friday, October 31, 2014


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