Best Credit Report Sites 2020

A credit score is a three-digit number from 300-850 primarily based on credit report from credit bureaus. A credit report is probably the most important report card in an adult’s life & is equivalent to the risk you present when getting credit. A good score (at least 650) will lead to lower interest rates, security deposits, or insurance, while a bad credit rating can close or make very bleak prospects for someone, such as higher interest rates on a home, mortgage, car and/or insurance.

We have listed and reviewed the ten best credit report sites to get your credit report from, so you can get updated on what your current credit standing is. Check out our list and see which one is best for you!

Last Updated: June 29, 2019

Company	Ranking	Rating	Price	Description
Identity Guard	1^st	9.7 out of 10	$9.99 Per Month	Identity Guard Review Credit reporting and identity theft protection in one- you can fully take control of your credits and take steps to increase its rating.Full Identity Guard Review »
Identity Force	2^nd	9.3 out of 10	$17.95 Per Month	Identity Force Review For a lesser cost, you get an identity protection service and get credit reports in one place, so you can monitor your standing every now and then.Full Identity Force Review »
Credit Karma	3^rd	9.6 out of 10	Free	Credit Karma Review Fast, reliable, and most of all - absolutely free, with a credit report card that gives you a grade for each factor affecting your credit.Full Credit Karma Review »
Fast3CreditScores	4^th	9.4 out of 10	$24.99 Per Month	Fast3CreditScores Review For a cost that is a little more than the usual, you get all scores from the 3 credit bureau, a daily monitoring report, and a credit info hotline.Full Fast3CreditScores Review »
Credit.com	5^th	9 out of 10	Free	Credit.com Review While you can get free credit reports with matching action plans, you will only be able to get them from one credit agency.Full Credit.com Review »
Credit Sesame	6^th	8.3 out of 10	Free	Credit Sesame Review Despite an award-winning service that is completely free, Credit Sesame can still do better by adding scores from other credit bureaus.Full Credit Sesame Review »
Creditreport.com	7^th	8.2 out of 10	$24.95 Per Month	Creditreport.com Review For an expensive monthly fee, you can get your FICO score with unlimited score requests from Experian- but this doesn't justify the heavier price tag.Full Creditreport.com Review »
TrueCredit	8^th	8 out of 10	$17.95 Per Month	TrueCredit Review TrueCredit has a confusing distinction from TransUnion, one of the three credit agencies that provide credit scores- and there is less to see here.Full TrueCredit Review »
PrivacyGuard	9^th	8.2 out of 10	$19.99 Per Month	PrivacyGuard Review Offering a solid credit reporting and education with fraud assistance- it's a shame it does not come with a mobile app.Full PrivacyGuard Review »
MyFICO	10^th	7.8 out of 10	$19.95 Per Month	MyFICO Review With a strict focus on providing credit reports, you can have more gain from your money from other credit reporting services.Full MyFICO Review »

Credit Bureau Source

Despite many credit reporting agencies available in the US, there are 3 major bureaus that are the default go-to for many institutions: Equifax, Experian, and TransUnion. These 3 agencies pull every single consumer credit-related information and sell it to organizations who have a legal basis for obtaining them. It would be beneficial if a credit report site can get all three reports for you in one go, instead of having to gather them individually. You can monitor your standing from all three agencies, see how your scores fare, and make the proper steps to improve it.

FICO Score

Since the Fair Isaac Corporation introduced their own credit scoring system back in 1989, it became the standard for many institutions for assessing the credit standing of an individual. Many websites offer FICO score estimations for free, but why settle for that when you can have the exact numbers. Since FICO score is based from the three credit bureaus’ reports, among other factors, a great credit report site should be able to pull the information for you.

Data Security

In 2017, Equifax experienced a massive data breached that left 143 million Americans affected. Names, social security numbers, birth dates, and even credit card numbers were stolen, resulting to incidences of identity theft and credit card fraud. Knowing that a credit reporting site will carry your information in their hands, it is of utmost importance that they hold it under a strict security protocol, with minimum to zero risk of breach, if possible. Data privacy is a growing concern nowadays, and you have to ensure that every single entity that you entrust your information is doing their best to guard it.

Price

Obtaining your credit score and ranking can be done for free-- there are websites that’ll give you the information without a cost. However, there are some that offer more insightful details for a reasonable price; some even come with identity theft protection. It depends on your personal needs, but shelling out a little extra to know where you stand in terms of credit plus a solid defence against identity thieves is a smart purchase.