Updated: 08/07/18

In today’s day and age we hear daily in the news of new hacks and new identity theft stories. By now everyone knows how important it is to properly monitor your credit report to make sure that no thieves are able to open any credit cards or loans on your name.

There are many companies which offer a credit monitoring service for a fee, but my advice to you is, don’t waste your money, because you can do it just as well for free. Here in this post, I will list some great websites where you can sign up to monitor and view your credit for free

Free Credit Report Free Credit Score Free Real Time Credit Monitoring Updated
Credit Karma Transunion, Equifax Vantage 3.0 Yes Every 7 days
Wallet Hub Transunion Vantage 3.0 Yes Everyday
Freecreditreport.Com Experian Fico 8 Yes Every 30 days
Nerd Wallet Transunion Vantage 3.0 Yes Every 7 days
Credit Sesame Transunion Vantage 3.0 Yes  With 50k identity theft protection included. Every 30 days

Credit Karma

With over 60 million users, Credit Karma is for sure the “Kleenex tissues” when it comes to viewing and monitoring your credit report for free. They also provide you with great personal tips and tools of how you can improve your credit.

Pros

  • Free credit report from two of the three credit bureaus
  • Updates every 7 days
  • They will send you an email with real time alerts when there are changes to your credit report. For example, a new trade line, etc.

Cons

  • The free credit score is Vantage 3.0 that is rarely used in credit decisions.

Wallet Hub

Wallet Hub is the only free credit report website that provides updates on your credit report every single day. They will also give you personal tips and tools on how to improve your credit score.

Pros

  • Updates every day
  • They will send you an email alert and text message alerts when there are changes on your Transunion credit report.

Cons

  • They only have your Transunion credit report.
  • The free credit score is Vantage 3.0 which is rarely used in credit decisions.
  • It’s a bit of an outdated website.

Freecreditreport.com

Freecreditreport.com is part of the Experian Company and is the only website where you can view your Experain credit report every 30 days, for free.

Pros

  • You will get email alerts whenever there is a change to your Experian credit report for free.
  • Free Fico 8 score

Cons

  • It’s only updated once in 30 days.
  • You can only view your Experian credit report.

Nerd Wallet

Nerd wallet is a very nice and updated website which has very good and advanced tools that will help you improve your credit score.

Pros

  • Real time credit change alerts
  • Updates every 7 days

Cons

  • They only have your  Transunion credit report.
  • The free credit score is Vantage 3.0 which is rarely used in credit decisions.

Credit Sesame

Credit Sesame is the only free credit monitoring which also offers a free insurance plan which they claim will refund you up to $50,000 if you’re a victim to identity theft.

Pros

  • They will send you an email alert on any changes to your Transunion credit report.
  • Updates every 7 days
  • Free $50,000 identity theft protection is included in the free plan.

Cons

  • They only have your Transunion credit report.
  • The free credit score is Vantage 3.0 which is rarely used in credit decisions.
  • Only updates once every 30 days.

Conclusion

I usually recommend my clients to sign up to Credit Karma and to Freecreditreport.com. Effectively, you will receive complete free protection from all three credit bureaus. It is also worth it to sign up for a Credit Sesame account so that you will also be covered for up to $50,000 in case you are ever a victim of identity theft. So go ahead and take them all! Why not? It’s absolutely free!

You may also want to read this great post on Two Cents.