Free 3 Credit Bureau Reports and Scores – Reviews

Free Annual Credit Report vs Free Credit Score Offers

Everyone is entitled to see their free annual credit report once an year from the government. That’s a given. But what’s left out of this free credit report gov equation is your credit SCORE. Problem is, your credit score is in many sense the most important information you want to see concerning your credit. It determines whether you get approved for unsecured credit cards, mortgage loans, auto loans, personal loans, etc. It also determines your mortgage interest rates. Your credit reports ultimately only serve as the raw data that’s used to compute your SCORES. But you currently do NOT receive your 3 scores for free from the government. You have to go to each credit bureau and pay full price to see them. Or, you can try out one of these free credit score trial offers below. Many of these trial offers will even include your 3 credit reports as well. That means there’s no need to go thru the lengthy convoluted application process or jump thru hoops like you often have to with the annualcreditreport system in order to see them. Based on customer feedback and other qualities mentioned below, we rate these as the Top 5 Free Credit Score offers out of the many that you’ll come across on the net. If it’s not on this chart, then it didn’t make the grade.

Free Credit Score Comparison Chart
Name Ratings Credit Scores You’ll Receive Credit Bureaus Monitored Trial Period Other Benefits
myscore

All 3 Scores:
Experian
Equifax
TransUnion
Experian
Equifax
TransUnion
Free 7-day Trial Free 3 Credit Scores. 3 Bureau Monitoring
myscore

Single Credit Score Experian
Equifax
TransUnion
Free 7-day Trial Free Credit Score. 3 Bureau Monitoring
myscore

Single Credit Score Experian
Equifax
TransUnion
Free 7-day Trial Free Credit Score. 3 Bureau Monitoring
myscore

Single Credit Score Experian
Equifax
TransUnion
Free 7-day Trial Free Credit Score. 3 Bureau Monitoring
myscore

TransUnion Credit Score Experian
Equifax
TransUnion
Free 7-day Trial Free Credit Score. $1 Credit Report. 3 Bureau Monitoring

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 8773228228, the ONLY authorized source under federal law

So why do these trial offers exist?

Simply put? So you can try out their services (credit monitoring or identity theft prevention) and see if you’ll like it. After the free trial period, many individuals will continue with the paid membership because they’ve experienced and liked the benefits of the service. (Also, consider these staggering statistics: In this age of the internet, over 1 in 10 americans have become victims of identity theft and credit fraud. Average losses are over $5000+ per individual. Yet studies have shown that those who utilize credit monitoring services are alerted before losses even reach 1/10th of this amount. What’s more, almost all credit monitoring services have identity theft insurance in place which will let you recover any losses you’d incur from identity theft. This would explain why many will continue with these services even after the trial period ends. Ofcourse, many will simply cancel the service during the free trial period. But they at least get to see their credit scores for free).

REVIEW:

WINNER #1: FreeScore360 — Free 3 Credit Scores
Hard to beat when you can see your credit scores for free from all 3 credit bureaus – TransUnion, Equifax, and Experian. Most of these types of free trial offers only offers a single credit score for free. Then there’s the 3 bureau credit monitoring. (more details…)

MyScore — Free Credit Score
A nice easy-to-use service. Features include a free credit score from one of the 3 major credit bureaus – TransUnion, Equifax, or Experian. Detailed analysis of your credit score. 3 bureau credit monitoring. (more details…)

MyFreeScoreNow — Free Credit Score
Features include Instant Score from one of the credit bureaus. A personalized report of factors affecting your current credit score. Email alerts of significant changes to your credit report. An updated credit score each month. Notice of who is looking at your credit. Worth checking out. (more details…)

FreeScoreConnect – Free Credit Score in Seconds
Sign up easily to receive a free credit score. Just answer a few short questions. FreeScoreConnect provides you with the tools you need to access and monitor your financial profile through the program’s credit reporting and monthly monitoring benefits. (more details…)

GoFreeCredit.com — Free TransUnion Credit Score + $1 Credit Report
During the trial period, you get to see your TransUnion credit score for free. There’s also your credit report for $1. Easy to sign up and FAST! Lot’s of other learning resources, identity theft insurance up to $1,000,000. Lower monthly payments compared to many of the other monitoring services. Personalized Debt Analysis and Credit Trending reports. (more details…)

CONCLUSION

Seeing your free credit reports from all 3 bureaus is important – your free annual credit report. But you also need to see your credit score since that’s ultimately the grade you’re getting about your credit. FWIW, these trial services have learning resources and tips for helping you to raise your credit score as well. By understanding how to raise a score and avoid things that can lower the score, a person can make conscious decisions to improve his or her credit rating. This often means lower interest rate mortgage loans, higher rate of approval for loans, and higher loan amounts. The free credit score seems like a no brainer, but you do need to realize that the majority of them are trial memberships. You do need to cancel the membership before the free trial ends if you choose not to continue with it.


*TIP: For those interested in a more proactive identity theft plan that extends beyond traditional credit monitoring services, you should check this out.

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