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Credit Reports & Credit Scores

Because there are so many "free trial" credit report, credit score, and credit monitoring products available, choosing the right one can be difficult. Credit.com helps you compare and choose quickly, by providing easy-to-read reviews and expert analysis to make selecting the best product easy. Get started on products we most recommend by choosing an "Expert Pick" or by selecting a specific product below.

IDENTITY GUARD® Total Protection



  • All 3 of your credit reports
  • All 3 of your credit scores
  • Daily 3 bureau credit monitoring
  • Public record monitoring and up to $1,000,000 identity theft insurance
  • PC World #1 rated service
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ReportsScoresPriceFree TrialMonitoringID Theft
All 3 bureausAll 3 scores$17.99/month30 daysDaily 3 bureauUp to $1,000,000

Equifax Credit Watch™ Gold with Score Power® Free 30 day Trial



  • 3-in-1 credit report and unlimited Equifax reports
  • 3 bureau credit monitoring
  • Score Power® with tips for managing your score
  • Up to $1,000,000 identity theft insurance, no deductible
  • See More
ReportsScoresPriceFree TrialMonitoringID Theft
All 3 bureausOne score$14.95/month30 daysDaily 3 bureauUp to $1,000,000

TrueCredit Credit Monitoring



  • 30-day FREE Trial
  • Unlimited access to your TransUnion credit report and score
  • 24-hour notice of changes to your TransUnion credit report
  • $25,000 ID theft insurance
  • See More
ReportsScoresPriceFree TrialMonitoringID Theft
Single bureau (TransUnion)One score$11.95/month30 daysDaily TransUnion bureau$25,000

3-in-1 Credit Report & Free Credit Score



  • Data from all 3 bureaus in a side-by-side format
  • Credit score paired with helpful tips
  • Easy to check for credit report inaccuracies
  • Toll-free customer service assistance
  • See More
ReportsScoresPriceFree TrialMonitoringID Theft
All 3 bureausOne score$29.95 (one time fee)NoneNoneNone

TrueCredit 3-Bureau Credit Monitoring



  • 3-in-1 credit report from all 3 bureaus
  • All 3 credit scores
  • 3 bureau credit monitoring
  • Credit reports and scores can be updated every 30 days
  • See More
ReportsScoresPriceFree TrialMonitoringID Theft
All 3 bureausAll 3 scores$14.95/monthNoneDaily 3 bureau$25,000

Experian Triple Advantage® Credit Monitoring



  • Free credit report & credit score with free trial
  • Daily 3 bureau credit monitoring
  • Email alerts of key changes to your credit reports
  • Over 20 million consumers received their free report
  • See More
ReportsScoresPriceFree TrialMonitoringID Theft
Single bureau (Experian)One score$14.95/month7 daysDaily 3 bureauNone


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Meet the Expert


John Ulzheimer

Credit scoring and credit reporting expert, John is an author and President of Consumer Education for Credit.com. John is a frequent contributor on credit topics at CNBC, CNN, FOX as well as

national print media such as The New York Times, Wall Street Journal, USA TODAY, Money Magazine and others.