Best Reviews TopConsumerReviews.com Best Credit Monitoring Best Reviews
Best Reviews
      November 29, 2020

Home  >  Credit Monitoring  >  Credit Karma vs Free Credit Score

Best Credit

Monitoring Services

  1. My FICO
  2. Credit Sesame
  3. LifeLock
  4. Equifax
  5. Experian
  6. Credit Reporting
  7. Free Score 360
  8. Free Credit Score

Your Information Is Secure
101 Tips to Raise Your Credit Score Newsletter

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!

Latest Reviews

Auto Loans

Babysitters

Christmas Cards

Credit Counseling

DUI Lawyers

Fruit Clubs

Home Brew Beer Supplies

Homeschool Supplies

Music Publishing

Senior Care

 

Individual Reviews

Credit Karma

My FICO

Credit Sesame

LifeLock

Equifax

Experian

Credit Reporting

Free Score 360

Free Credit Score

 

Related Articles

How Often Should You Check Your Credit Report?

Why Is A Good Credit Score Helpful?

What Kind Of Information Will Your Credit Report Contain?

What Can You Do If Your Credit Report Is Wrong?

How You Can Raise Your Credit Score If Itís Low

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

Credit Karma vs Free Credit Score

Best Credit Monitoring

To help you find the Best Credit Monitoring Companies, TopConsumerReviews.com provides you with an in-depth comparison of Credit Karma and Free Credit Score.

To see ALL of our reviews for the Best Credit Monitoring Companies, please Click Here

Where is the best place to monitor your credit? In order to purchase a home, buy a car, or obtain almost any kind of loan, you need good credit and history. Falling behind on credit card payments, making too many expensive purchases, opening multiple credit card accounts, filing for bankruptcy, not paying monthly bills, and other factors may cause your credit score to drop significantly. On the flip side, staying on top of credit card payments, paying bills right away, and paying off loans are a few of the ways you can build a fantastic credit score.

Staying aware of your current credit score and proactively working to keep it up will help you, in almost all, financial aspects of your life. During the interview process, companies looking to hire may even request access to a modified credit report to check for signs of financial distress. This helps companies know if candidates may be at risk for committing theft or fraud. With new online services, you can easily access your credit score and stay on the road to financial success.

Continue reading below reviews

Best Reviews

2020

Credit Monitoring Reviews

5 stars
Credit Karma

CREDIT KARMA

Visit Site

Cost:

Free

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Hopefully we are not the only ones who think the nitty-gritty details that make up a credit score can be confusing. Luckily, Credit Karma has a video displayed right when you land on the home page titled "How Reporting Works". From the get-go, Credit Karma makes it clear that they are an advocate for consumers who want to have healthy credit. They provide plenty of resources on their website to help make this happen for people including a credit score simulator, debt repayment calculator, loan calculator, help articles, community forums, and more.

100% free credit monitoring

Did we mention Credit Karma is free? Yep. 100% free. This is because when they give you access to your credit scores through credit bureaus like Equifax and TransUnion, Credit Karma will make recommendations about products that will save you money by analyzing your data. If you choose to get a product based on Credit Karma's recommendations, the lender will pay them. Essentially, they are using your personal information to advertise to you. (If this is worrisome, might we suggest you ditch all forms of internet use, since this is pretty much how marketing works these days).

Free alerts and updates

Most importantly, Credit Karma provides free credit monitoring as often as you'd like. You will need to create an account and provide your personal information, including your social security number. They will then perform a "soft pull" or inquiry without affecting your overall credit score. In addition to viewing your score, you receive alerts and updates if something seems out of the ordinary. This is a great way to spot identity theft. Credit Karma will show you a graph of your credit over time and let you see how your score compares to others by age, state, and income.

Best Credit Monitoring Services

Unfiltered product reviews

Credit Karma matches you up with products and services you might need when buying a house, car, or credit card. On the website, you can read honest product reviews about the suggested companies and products from other customers. You'll notice that some reviews really rip on a particular credit card, insurance company, loan company, or whatever it may be, while other reviews sing their praises. These are obviously unfiltered reviews, and they really let you, as the customer, make the best decisions for yourself.

Highest rating

The Better Business Bureau gives Credit Karma an A rating. Because their services are free, you really can't go wrong here. They are not selling your information, but rather using it to target you with the best credit cards or loan services available to you. Transparency is central to the workings of Credit Karma. They want you to have access to your own data and make educated decisions about your financial future. We are impressed by this business model and have given them our highest rating among credit monitoring services.

Visit Site
1 stars
Free Credit Score

FREE CREDIT SCORE

Visit Site

Cost:

$24.99/month

After creating an account with Free Credit Report, customers gain instant access to their FICO score and Experian credit report for free. The free credit report is from Experian, whereas the premium membership comes with a three-bureau report. Scores are updated every 30 days. To gain access to the Experian CreditWorks Premium services, the cost is $4.99 the first month and then $24.99 for each additional month.

No identity theft insurance

Customers can get alerts about changes on their credit report including fraud, sign-ins, credit pulls, and more. Dark web surveillance is also in place to protect individuals from identity theft. Alerts are sent if it seems that someone else is trying to use your personal information. However, something lacking from Free Credit Report is identity theft insurance. Other credit reporting companies offer identity theft insurance up to $1 million of protection, but you won't find any of that at Free Credit Report.

Customer service hard to reach

It seems suspicious and frustrating that Free Credit Score doesn't offer a way to easily contact customer service. There is no email address, website contact form, or phone number provided. On the "Contact Us" page you are simply directed to a physical mailing address, which is not very helpful. When dealing with such sensitive information and services, we would like to have better access to customer service.

Hesitant to trust

Free Credit Score runs a blog that has not been updated since 2016. It does not seem like there is a lot of effort going into this service to keep it up-to-date. The fine print tells us that Free Credit Score is part of a family of companies that belongs to Consumerinfo.com Inc. and is owned by Experian. The out-of-date information makes us think there is not a lot of attention going towards Free Credit Score. Therefore, we are hesitant to trust them with personal information and we don't expect fully accurate credit information in return. We recommend skipping over Free Credit Score in your search for a credit monitoring service and trying one of our higher-rated sites.

Visit Site

Continued from above

Aside from working to qualify for a loan or your next big career move, a big issue in the world today is identity theft. It is estimated that nine million Americans are victims of identity theft each year. Sometimes this can be caught by watching to see if your credit score takes a major hit. If this is the case, you can dispute the credit report and work to fix the problem. Working with a credit monitoring company that has good customer service to help you through potential issues is important.

Before choosing a credit monitoring service, we suggest you keep the following criteria in mind:

  • Cost. Will you be charged a monthly fee? How do rates compare to their competitors? Find a company that works to keep things budget-friendly.
  • Customer Service. It is important to have easy access to a knowledgeable customer service team that can clearly answer your questions. It can be frustrating to be left confused or jump through hoops to speak to an agent.
  • Resources. Is the website easy to navigate with plenty of straightforward options to manage your credit report? The company should be your advocate for helping you improve your credit score and find the lowest rates on purchases.

To help you identify the best credit monitoring service, TopConsumerReviews.com has reviewed and ranked a variety of options. We hope this information helps you find a credit monitoring company that will provide a good experience for you!

Here's what happens to your credit card debt when you die

Who's responsible for your credit card bills after you die? CNBC Select took a look at what happens to your credit card debt after death.

Published:  Sat, 21 Nov 2020 12:43:00 GMT



National Credit Report Review - Check Your Credit Scores From All 3 Bureaus With ScoreSense

No matter if you are a consumer or a business owner, we all are highly dependent on credit in todays world. If you are taking a loan or credit from any institution, your credit score matters a lot. If ...

Published:  Tue, 24 Nov 2020 19:09:00 GMT



Slim Credit History? CreditKarma Would You Like To Assist at no cost!

Slim Credit History? CreditKarma Would You Like To Assist at no cost! CreditKarma offers borrowers a means to check on and monitor their credit profile at zero cost. The business banking institutions ...

Published:  Fri, 27 Nov 2020 17:01:00 GMT



Best Credit Repair Companies: Top 7 Services of 2020

Published:  Sun, 22 Nov 2020 22:00:00 GMT



Leading Credit Repairing Company Helps People and Organizations Achieve Their Financial Goals Through Credit Repair Solutions

Alpha and Omega Credit Repair announces credit repairing and restoration solutions for clients looking to rebuild their credit score. Alpha and Omega Credit Repair, the ...

Published:  Tue, 24 Nov 2020 17:48:00 GMT



SMBC uses OakNorth's credit intelligence software to grow lending

The large Japanese lender joins PNC in taking the loan underwriting and monitoring system developed by a new lender to UK SMEs and tested through Covid.

Published:  Mon, 23 Nov 2020 10:03:00 GMT



DOJ Forces Credit Karma To Sell Tax Unit To Square To Clear $7.1 Billion Takeover By Intuit

Without the divestment, the acquisition would likely result in higher prices for online do-it-yourself tax preparation, the DOJ said Wednesday.

Published:  Wed, 25 Nov 2020 09:44:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure