We Compare the Top Free Credit Report Sites and Offers -

A recent study showed more than 70% of Credit Reports have errors*, which can potentially lead to a lower credit score and higher interest rates.  As a savvy consumer, you should check your Credit Report and Score, especially if you are thinking about making a large purchase.

Understand Your Credit Report and Score Options Before You Make a Purchase.

Top Free Credit Report and Credit Score Offers Ranked:

(Note that Running your own Credit Report will not affect your score)

Rating	Credit Report Service Name (Click for more info)	Cost	Description
	Trans Union Free Credit Report	First 30 days Free, $9.95 per month afterwards.  Best Single Credit Report.	Unlimited Free Credit Reports and Scores from Trans Union, Identity theft insurance up to 25K.  Toll Free Number Support
	Privacy Matters - Free Credit Report	$1 Fee Right Away, 30 days free, then $14.95/Month afterwards - cancel anytime	Unlimited Credit Reports from all three credit bureau Agencies, Your Credit Scores, daily monitoring of your credit report, toll free number assistance, identity theft insurance up to 25K.
	MyFico.Com ScoreWatch - Free Credit Report	First 30 days Free, $79.95 per year after 30 days.  Or no Free Trial and $7.95/Month.	Reports and monitoring from Equifax with FICO Credit Score, no monitoring or reporting from the other two firms.  Free FICO score simulator and other benefits - however more expensive option.
	Experian Free Credit Report	First 30 days Free, $9.95 per month afterwards	Reports and monitoring from Experian only with Credit Score, no monitoring or reporting from the other two firms.  Identity theft insurance up to 25K.
	Government Free Annual Credit Report Only -No Credit Score Included	Free Credit Report Once a Year, $6.95 for Your Credit Score for Each Credit Agency.	Once a Year free credit report from all three agencies, $21 extra for all Three Credit Scores - Credit report is Free Once a Year.

Don't want to sign up for Credit Monitoring Service with a Free Credit Report?

You can also pay for a single Credit Report and Score:

Rating	Credit Report Service Name (Click for more info)	Cost	Description
	Get All 3 FICO Scores and Credit Report from MyFico.com	14.95 for one, $44.95 for all three reports	This is more expensive than a standard 3 in 1 report since it comes with a FICO score simulator which lets you see how certain actions by you can affect your credit score.
	3 in 1 Credit Report	$34.95 one time charge	All three credit reports in one.
	Single Credit Report	$9.95 one time charge	Full single agency (Experian, Trans Union, Equifax) credit report and score.