Comparison of free credit monitoring services

The following chart compares websites that provide United States credit reports or credit scores free of charge. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of credit reports are included, and whether a full Social Security number is needed.

According to the Federal Trade Commission, "AnnualCreditReport.com is the only authorized source for the free annual credit report."^[1][2] Care should be taken when providing a full Social Security number to any other website.

Comparison of free credit monitoring websites

Name	Frequency	Credit bureau(s)	Full SSN required?	Scoring model
AnnualCreditReport.com	Annual full official report (one from each agency)[3]	Equifax, Experian, TransUnion[3]	Yes[3]	No score provided
CreditCards.com by Bankrate	Monthly full report[4]	TransUnion[4]	Last 4 digits only	VantageScore 3.0[4]
CreditWise by Capital One	Daily full report[5]	TransUnion[5]	Yes[5]	FICO 8 Score[5]
CreditWorks Basic by Experian	Daily full report[6]	Experian[6]	Yes[6]	FICO 8 Score[6]
Credit Journey by Chase	Weekly summary[7]	TransUnion[7]	Yes[7]	VantageScore 3.0[7]
Credit Karma	Daily TransUnion & Daily Equifax full reports[8]	TransUnion, Equifax[8]	Sometimes[9]	VantageScore 3.0[10]
Credit Sesame	Monthly summary[11]	TransUnion[11]	Last 4 digits only[11]	VantageScore 3.0[11]
Equifax Core Credit	Monthly summary[12]	Equifax	Last 4 digits only[12]	VantageScore 3.0[12]
FICO Free Credit Score Plan	Monthly summary[13]	Equifax[13]	Yes[13]	FICO 8 Score[13]
LendingTree	Monthly summary[14]	TransUnion[14]	Last 4 digits only[14]	VantageScore 3.0[10]
Mint by Intuit	Monthly summary[15]	TransUnion[15]	Yes[15]	VantageScore 3.0[16]
myBankrate	Monthly full report[17]	TransUnion[17]	Last 4 digits only	VantageScore 3.0[17]
MyCredit Guide by American Express	Weekly full report[18]	Experian[18]	Last 4 digits only	FICO 8 Score[18]
NerdWallet	Weekly full report[19]	TransUnion[19]	Last 4 digits only[19]	VantageScore 3.0[19]
Nav	Every 30 days	Experian and Dun & Bradstreet[20]	Yes	VantageScore 3.0[20]
TransUnion TrueIdentity	Monthly full report	TransUnion	Last 4 digits only	VantageScore 3.0[10]
WalletHub	Daily full report[21]	TransUnion[21]	Last 4 digits only[21]	VantageScore 3.0[10]

See also

• Credit score in the United States
• Criticism of credit scoring systems in the United States
• Fair Credit Reporting Act