Complete List of Free Credit Score Service Providers

Last Revised on December 8, 2010

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There has been a lot of hype about credit score in the recent few years. Credit score is mainly used to determine how much financially healthy you use – your past and present timely bill payments for example. A lot of people has actually either seen or heard the Free Credit Report ads on TV, but what most people didn’t hear is that although they do provide a free service, you have to sign up for their credit monitoring service. So either way you are paying for it. To make it short and simple, I have collected a list of free credit score report service providers; you can compare them because some of them don’t charge you a dime while others only send you ads in your mail box and that’s about it:

Free Credit Report Provider What do they give you actually
The catch or the fine print you should read Once a year, consumers can get one free credit report from each of the three credit bureaus: Experian, TransUnion and Equifax. A credit score is not included – and the bureaus will try to sell users one along the way. Users will also be pitched other products and services, including credit monitoring.
CreditKarma A free TransUnion credit score. High reputation in the industry although they provide relatively the same service. This credit score is commercially available to lenders, but isn’t nearly as widely used as the FICO score.’s Credit Report Card An analysis of a user’s credit situation based on the information in their TransUnion credit report, including a range for five credit scores (FICO, VantageScore, Experian’s PLUS score, TransUnion’s score and CreditXpert’s score). Users don’t get their actual credit report or score. “Upgrading” to a full credit report signs up the user for three-bureau credit monitoring ($14.95 a month) from, a service of TransUnion.
Credit Score Quick A free credit report from all the three majore credit reporting bureaus within 3 seconds or instantly after you fill in your information. It is an affiliate program that markets other real agencies that can give your true credit score.
FreeScore A free credit report from each of the three credit bureaus, Experian, Equifax and TransUnion, and a free TransUnion TransRisk score calculated for each credit bureau. The free report and scores activate a membership in FreeScore, at $29.95 a month after a seven-day free trial period. There is no processing fee associated with this company. However, at the end of your trial period your membership will be automatically charged/debited each month to the credit or debit card info you provide to them. A free credit report and a PLUS Score from Experian. When users order their free report, they begin a membership in Triple Advantage, a $14.95-a-month credit monitoring service by Experian. They have seven days to cancel.
FICO’s Score Watch A free Equifax credit report and FICO score. Users will be enrolled in FICO’s credit monitoring program, at $8.95 a month or a one-time annual payment of $89.95. No payment is due if users cancel within the 30-day trial period.
Quizzle A free credit report from Experian and a free credit score from CE Analytics every six months. When users log on, they will be pitched products (customized to their financial situation) from Quizzle’s partners. The CE score is not commercially available to lenders and may be different from a user’s FICO score.
Smart Credit SMART Credit Reportâ„¢ is a new and easy to use, simple to read and for everyone. Three types of membership options: 5 day trail period; basic membership and a premium package that includes an updating system through which you will get a so called a SMART Alert with your creditor’s results, plus a confirming SMART Alert that your credit reports have been updated.

We hope this list helped you save money and lot of time hassling around for doing research. And while you are at it, is a free service that can send you one free credit report every year after you request them. Government has mandated this. Thanks for visiting us.

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3 Responses to “Complete List of Free Credit Score Service Providers”

  1. Skeeter Says:
    October 16th, 2009 at 6:52 am does NOT charge $1 processing fee as far as I can see. Here is a link to the sign up page —no direct links please.

    Thanks Skeeter, I have updated the review information.

  2. past credit history Says:
    November 5th, 2009 at 11:27 pm

    Has anyone seen recent reports about how these so called free credit score start charging you monthly fees out of your bank or credit card? If anyone is surprises, let me tell you this: why in the world would you give out your bank account or credit card number when you are getting a credit report for free? That’s because it wasn’t free. Secondly, do these people even know what excuses these list of credit score companies give you for charges? They say that is is charging you for monitoring your credit on a month to month basis. And it was one of the tiny fine prints when you signed up. They got ya buddy.

  3. where can i get a free credit report with no credit card requirement Says:
    December 8th, 2010 at 6:47 pm

    Ok, I am looking for free credit report site that doesn’t require credit cards. Does anyone know any? I don’t care about credit history. Because I was sent out a credit card and didn’t even know about it later on after investigation. It would be nice if my credit report specify my credit score without paying any fee. Just need one for free without any hidden charges.

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