Top Credit Report and Credit Score Resources

By David S. Chang

Credit Report and Credit Score Reviews 

Your credit report and credit score is one of the most important things to manage. Click here to see the answers to your top credit questions. Not only is it important for you, it is also important to banks, employers, landlords, insurance companies, utility, cable, and telephone companies, and other financial institutions. With so much at stake with your credit score, it is important to maintain a good score! I personally use Credit Sesame, Credit Karma and Lifelock to monitor and maintain my credit score. Here are some more resources to help you manage your credit report and credit score!

Name and Website Credit Report Cost Credit Score Cost Social Security Number Required? Credit Card Required?
Free, One From Each Agency Every 12 Months Equifax = $7.95 Experian score = $7.95 TransUnion score = $7.95 Yes Yes (for credit score)
Experian Free, One Every 12 Months $7.95  Yes Yes (for credit score)
TransUnion Free, One Every 12 Months $7.95  Yes Yes (for credit score)
Equifax Free, One Every 12 Months $7.95  Yes Yes (for credit score)
Free Experian Credit Report Card Free, Once a Month Yes No
Free Proprietary Credit Report Card Free, Once Weekly Yes No
credit.com Free Experian Credit Report Card Free, Once a Month Yes No
  Free, One Every 6 Months Free, One Every 6 Months Yes No
Free Proprietary Credit Report Card Free Yes No

Credit Report and Credit Score Monitoring Reviews

Name and Website Bottom Line: Credit Scores Credit Reports Trial Period
& Price
Credit Monitoring
Identity Guard Most comprehensive & best overall service; All 3 credit scores free; 25% discount & free 30-day trial Free scores from Equifax, Experian & TransUnion Reports from all 3 bureaus Free 30-day trial; $14.99/mo (after our 25% discount) All 3 bureaus
FreeScoresAndMore All 3 credit scores free; monthly credit updates plus other benefits; free 30-day trial Free scores from Equifax, Experian & TransUnion Reports from all 3 bureaus Free 30-day trial; $14.99/mo All 3 bureaus
PrivacyGuard All 3 credit scores and 3-bureau credit report for $1; monthly credit score and report updates and excellent identity theft protection; $1 30-day trial Scores from all 3 bureaus Reports from all 3 bureaus $1 30-day trial; $14.99/mo $1,000,000
Trusted ID All 3 credit scores free; great value, especially for families; free 14-day trial Free scores from Equifax, Experian & TransUnion Reports from all 3 bureaus Free 14-day trial; $10.42/mo for individuals; $20/mo for families (w/ annual prepay) All 3 bureaus
LifeLock Ultimate All 3 credit scores free, excellent ID protection; free 30-day trial & 10% discount Free scores from Equifax, Experian & TransUnion Reports from all 3 bureaus Free 30-day trial; $20.63/mo (w/annual prepay after our 10% discount) All 3 bureaus
CreditReport.com 3-bureau monitoring; score updates every 30 days; 7-day trial for $1 Free scores from Equifax, Experian & TransUnion Reports from all 3 bureaus 7-day trial for $1; $29.95/ month All 3 bureaus
TransUnion Credit Monitoring 3-bureau monitoring, unlimited TransUnion scores; free 7-day trial Free TransUnion score TransUnion report Free 7-day trial; $16.95/mo All 3 bureaus
ProtectMyID.com Monitors all 3 credit reports, but doesn’t include scores; free 7-day trial No Experian report Free 7-day trial; $19.95/mo All 3 bureaus
FreeCreditScore.com Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial Free Experian score Experian report Free 7-day trial; $17.99/mo Experian

David S. Chang

Award-Winning Entrepreneur, Wealth Manager and CEO | Chief Editor, Author, Keynote Speaker, Consultant ArtofThinkingSmart.com | Political Consultant | Army Officer National Guard | Living To Fulfill Needs, Solve Problems, and Live Passionately!

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