The Best Websites to Monitor Your Credit Report For Free

- Aug 6, 2020 credit, Identity Theft4 comments

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 that 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 ReportFree Credit ScoreFree Real-Time Credit MonitoringUpdated 
Credit KarmaTransunion, EquifaxVantage 3.0Yes Every 7 days 
Wallet HubTransunionVantage 3.0YesEveryday
FreeCreditScore.comExperianFico 8YesEvery 30 days
Nerd WalletTransunionVantage 3.0YesEvery 7 days 
Credit SesameTransunionVantage 3.0Yes  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 for 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 Equifax, or TransUnion credit report. For example, a new credit inquiry, 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  • It’s a bit of an outdated website.

Freecreditscore.com

Freecreditscore.com is part of the Experian Company and is the only website where you can view your Experian 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 that 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 that also offers a free insurance plan which they claim will refund you up to $50,000 if you’re a victim of 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 readers to sign up for Credit Karma, and Freecreditscore.com. Effectively, you will receive completely free real-time 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!

 

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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4 Comments

  1. Hi, I’m getting my Transunion Fico score from Discover and my Experian Fico score from Amex, monthly through my credit cards. Is there a card(or something else) that will give me my equifax fico score?

    • Credit Karma will let you View your Equifax report. but the credit score is not Fico. I dont know of anyplace that gives you a Equifax Fico score for free.

  2. @Tyler: citibank uses fico bankcard score 8 model with equifax. bankcard model ranges from 250 to 900. bankcard model is used by many lenders and is mostly used for credit cards. it’s not the usual fico 8 model consumers are used to, but is the actual one lenders use when evaluating applicants for credit cards.

    @Sam Billo: awesome site!

    • Thanks for sharing. Im happy your loving my blog. Spread the word!

Trackbacks/Pingbacks

  1. Victim Of Identity Theft? You Next Steps How To Protect Yourself - Help Me Build Credit - […] There is no need to pay for a credit motoring service. There are many companies (for example: Credit Karma)…
  2. Credit Freezes- (Now Free) Everything You May Want to Know - Help Me Build Credit - […] If you decide not to freeze your credit report, then at least monitor it. I recently wrote a great…

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