Updated 2019. As , the government requires the credit bureaus to provide you a free credit report once every 12 months. However, the services listed below provide you a free credit score updated throughout the year either daily, weekly, or monthly. Most offer additional data taken directly from your credit reports, while some even offer free daily credit monitoring or free identity protection services.
As of 2019, all three major credit bureaus are covered: TransUnion, Equifax, and Experian. None of them require credit card number to sign up, so you don’t have to worry about any surprise charges. These are either ad-supported and/or “freemium” services with a paid upgrade option.
offers a free credit score every month, based on your TransUnion credit report (VantageScore). Score range is 300-850. They only require the last 4 digits of your Social Security Number. No trial or credit card required. The best part about Credit Sesame in my experience is that they have the most reliable credit alerts (and the free insurance which I haven’t used).
- Free daily credit monitoring. Credit Sesame also offers free daily credit monitoring of your TransUnion data, with alerts coming via e-mail, text, or smartphone app. This service tracks more than 40 different credit activities such as a balance change, address change or when a new account is opened.
- Free identity protection and restoration services. Credit Sesame also includes $50,000 in identity theft insurance and access to identity restoration support in their free membership level.
offers you two free credit scores, based on your TransUnion and Equifax credit reports and updated weekly (VantageScore). Score range is 300-850. They only require the last 4 digits of your Social Security Number. No trial or credit card required. The best part about Credit Karma in my experience is that you get two credit bureaus covered in one service.
- Free credit monitoring. Credit Karma also offers free e-mail credit monitoring alerts of your TransUnion data.
FreeCreditScore.com
offers a free credit score every month, based on your Experian credit report (FICO 08). Score range is 300-850. They require your full Social Security Number. No trial or credit card required. The best part about FreeCreditScore.com in my experience is that they are a rare free option to track changes to your Experian report.
- Free credit monitoring. They also offer free e-mail credit monitoring alerts of your Experian data.
WalletHub
offers a free credit score based on your TransUnion credit report (VantageScore), updated daily. Score range is 300-850. They only require the last 4 digits of your Social Security Number. No trial or credit card required. The best part about WalletHub in my experience is that they offer daily access to your full TransUnion credit report, if for some reason you want to check your full report that often.
Note that some of the scores above are not FICO scores because Fair Isaac charges more money in licensing fees and these companies may not be able to cover those costs with their advertising. However, these services are still be very useful for tracking changes in your credit history. I enjoy getting alerts if a credit card balance is paid in full, if there is a new credit inquiry, or if my credit utilization ratio gets too high on a specific credit line. This is also a great way to get early warning of any fraudulent activity.
Bottom line. I use the services above to keep track of any daily changes to my credit reports across all three credit bureaus for free. None of them require my credit card number, and they alert me to things like new accounts, new credit check inquiries, and high credit line usage.
“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.”
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