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.
The Top Ten

Get all three credit reports and credit scores, plus $1 million in ID theft insurance, for three weeks for $3. The price goes up to $17.99 per month after three weeks if you want to continue with the service.

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Definitely the cheapest as it is free, but you don't get a score. In fact, you can't get a score anywhere online without paying for it. Period. The only place to get a legitimate score online, using the 300 to 850 credit scoring model, is No one else has a legitimate credit score.

The site 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. It is not a good website.

I got the message that all three reports were unavailable online and that I'd have to call to request a written copy. I never received any of them.

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3 Experian

They don't answer the phone. I called all day, and the voicemail said it is closed and to call from 6 a.m. to 6 p.m. from Monday to Sunday. Well, it's a Tuesday, and it's 8:30 a.m. They stole my dollar because they misspelled my name, so the scores were not valid. They are a scam, and I am also monitoring my credit card because I heard they still charge you a monthly fee even though you've cancelled.

Pretty much the same as, but currently charges $1 for the 7-day trial.

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4 myFICO

I've been a subscriber for over a year. Their representatives are always courteous, patient, and helpful. I've never had a billing issue and receive a weekly text indicating any strange activity. Most importantly, I get my FICO score whenever I go on my dashboard, which is the score used by 90% of lenders.

The site also gives you the specific scores that mortgage lenders, auto lenders, and credit card companies receive when you apply.

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.

5 TransUnion
6 Credit Karma

Ad-supported site that pulls your credit report from one of the three credit bureaus and provides your credit score, along with 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.

It does have its issues with a few points' discrepancy at first. Nothing like the 41 points reported below, at least with me and numerous people I know! These scores are fickle and as sensitive as a first-degree burn. I gained 89 points on my Experian score in one month via

After a while (it took me six months), I've been using Karma for two years. Once it began accruing more information and patterns, it's never more than 5 points off and often is ahead of TransUnion. I don't know if they share an advanced algorithm, but it seems like every week it updates and gives me a score that TransUnion will give me once they refresh my account monthly.

Also, they have amazing customer service who will note if something is off. I use their simulator as well. I input how much a $2,000 secured loan would help, and it was dead on! They are not only one of the best credit apps but also one of the best apps, period. I don't usually write reviews, but before you spend good money, use Credit Karma, especially if you've used your


Also offers the $1 7-day trial with enrollment in Triple Advantage. The site has tons of good information about credit and credit scoring.

8 Equifax

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

9 Lexington Law Lexington Law is a general service consumer advocacy law firm that provides credit repair services along with a full range of additional legal services. The firm is headquartered in North Salt Lake, Utah and has 25 attorneys practicing in states across the country... read more

$9.99 for your TransUnion credit report may not seem like a good deal initially, considering all the other offers out there. However, 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. If you determine that you don't really need credit repair after ordering your report, you can cancel the Lexington Law service free of charge.

Awesome service! I recommend it to everyone I know. They do exactly what they advertise. Keep tabs on what is happening every minute with their website. It just doesn't get any better than this for all-in-one credit service: reports, repair, rebuild.

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WalletHub is the first and only website to offer free credit scores and reports updated on a daily basis.

This is the best credit score site anywhere! Daily updates are much appreciated, and the calculators are very helpful.

Great service where you can monitor your credit progress for free on a daily basis.

The Contenders

$1 trimerge when you sign up for their monitoring service. You can cancel within 9 days and not be charged the $29.95. However, their monitoring service is very good. It sends emails, and you can receive texts when new updates happen. Great service, nice formatting.

However, it does not give accurate credit scores. It uses the 330 to 830 scoring model, which is useless. The only legitimate scores are from and

12 Build My Scores

Easy to use, and you get all three credit bureaus and scores for a great price.

I like the report. It's concise and easy to read. And I really like the price.


I got my credit score for free without having to give my credit card. They use TransUnion's credit score and give me grades on different factors that make up my credit. I also like how they offer free identity theft protection. Their mobile app is also easy to use and great to have on the go when I want to check my free credit score.


The site is 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, as well as daily monitoring of your Equifax and TransUnion credit reports.

Great layout. It has helped me monitor my credit and alerted me to a new credit card I didn't have. It 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.

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