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Credit Report Comparison Chart - Compare All Credit Report Services

Credit reports, credit scores, and even credit monitoring services are offered in countless ways. The problem is that most companies offer the same services, but package them differently. Free-Credit-Reports.com offers a comparison of features and information presented at the best price by leading credit companies.

Service Provider Credit Reports & Scores Free Trial & Monthly Fee Bureaus Monitored Important Rating  
CreditCheckingToday.com FREE TransUnion Credit Scoreā„¢ & $1 Credit Report Free 7-day trial, $19.95 per month Free trial to TransUnion 3-Bureau Credit Monitoring Free Credit Score; 24/7 Online Access to your Score; 3-Bureau Credit Monitoring 5 Stars
FreeCreditReport.com Free Experian credit report and scores Free 7 - day trial; $14.95/mo All three bureaus Unlimited free Experian credit reports and scores; monitors 3 bureaus 5 Stars
FreeScore360.com Check your scores and view your reports in seconds Get your free credit scores with a 7-day credit monitoring trial Protect your scores with daily monitoring and alerts Credit is a determining factor when applying for credit cards 5 Stars
GoFreeCredit.com Help spot the early signs of Credit Fraud & Identity Theft 7 day trial for only $1; $19.95/ month thereafter All three bureaus Online Access in minutes; Help spot the early signs of Credit Fraud & Identity Theft 5 Stars
MyFreeScoreNow Credit Score and Report delivered in seconds Free 14 - day trial; $29.95/mo All three bureaus Unlimited free Experian credit reports and scores; monitors 3 bureaus 5 Stars

Getting the Best Credit Reporting Service that You Deserve

Many companies make a fortune by providing credit reporting services. It is only natural that you pay them because they do not get the information you need for free. But the thing is you do not have to settle for an average company if you can have the best. Before reading the tips on finding the best credit reporting company, you must know first why you really have to check on your credit report.

Checking your report allows you which aspects of your debt management need improvement. It lets you know about delinquent payments, which you may not be aware of. It also helps you get the best deal of any loan by letting you know if your credit needs fixing before you apply for one. More importantly, it keeps you from being a victim of identity theft which robs 10 million Americans each year. You should not worry about checking on your own report too frequently since it will not hurt your credit score at all. Only repeated inquiries from third parties may hurt your score.

The Best Service for You

Experian, Equifax, and TransUnion are the major privately-owned companies which offer credit reporting services. Experian offers the service at $39.95 while Equifax and TransUnion both have theirs at $29.95. But you can get free credit reports from all three bureaus at Annualcreditreport.com. It is a government-sponsored site which is operated by the major credit reporting agencies.

There are also websites that provide reporting services with a fee. An example of these sites is Free-Credit-Reports.com, which offers instant delivery of credit reports and scores from all three major bureaus.

Given the options, you now have the prerogative to choose among the different services. You must consider your needs and capability among other factors to get the right company for you.