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      April 25, 2019

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Free Credit Score vs Credit Report

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

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Monitoring your credit score is essential in today's times. Not only is having a good credit score and credit history important in obtaining an affordable car loan or renting an apartment, it can determine whether you get a job and are able to put food on the table for your family. To further accentuate the importance of knowing your credit score, over $1 billion in identity theft occurs each year.

Proactively managing and monitoring your credit is the only way to protect yourself from being the next victim. Being in tune with your credit score and real time credit activity has never been more important. In the past few years, credit report and monitoring services have popped up and gained the business of millions of American people. However, not all credit report services are alike.

Continue reading below reviews

Best Reviews

2019

Credit Report Reviews

3 stars
Free Credit Score

FREE CREDIT SCORE Visit Site

Cost:

$14.99 per month

Many are familiar with Free Credit Score from the numerous TV commercials aired frequently. The catchy jingle depicts a young man with credit issues as a result of his lack of credit monitoring. As a result, he can't buy a house or a decent car and holds an evening job in a restaurant or a renaissance festival, and drives a lousy car. If you haven't seen these commercials you soon will.

When you sign up with Free Credit Score you receive a free credit report from Experian, your credit score (also from Experian), and use of their credit monitoring service for 7 days. The credit monitoring service scans activity across all three major credit bureaus and notifies you via email when specific activity occurs.

Activity such as credit checks, new accounts or any other changes that occur are sent to you within 24 hours of the incident. This allows you to quickly inquire directly with the company in question. If you decide, before the 7 day trial period, that you are not satisfied with the credit monitoring service you must call to cancel your membership. Otherwise, you're automatically charged $14.99 every month until you cancel the program.

We appreciate that Free Credit Score was very upfront with the trial period. They are fairly straightforward about their service offering but unfortunately they lack many of the bells and whistles the higher ranked companies provide. One disappointment we had is the absence of any consumer education on how your credit activity impacts your credit score, how to file claims with credit bureaus, and how to take action on fraudulent activity affecting your credit. Free Credit Score is missing insurance protection as well, and therefore doesn't offer any financial assistance in the event of identity theft.

While we like the commercials and catchy jingle, we recommend a higher ranked product that gives you more for you money.

Visit Site

2 stars
Credit Report

CREDIT REPORT Visit Site

Cost:

$14.95 per month

Credit Report provides a straightforward website but with bare bones information. Forget about tools and customer support to assist you. The $14.95 monthly free provides a single credit report and monitoring service.

By ordering your free credit report and free credit score, you will automatically be enrolled in a 7 day free trial of 3 bureau credit monitoring and credit score tracking. You'll receive automatic email alerts whenever there is a significant change to any of your credit reports or when there is an important shift in your credit score.

What those alleged "significant changes" are, was not made available to us to determine if the effort is in fact thorough. For each month that you continue your membership your credit card will be billed $14.95. You may cancel anytime - there is no obligation.

This company has been in business for over 10 years and provides a direct link to the Better Business Bureau to identify their rating and any negative business dealings. This company rates above average with most complaints centering around issues with bad charges back in 2007.

Overall, Credit Report was lacking across the board in tools and information. We recommend a higher ranked provider.

Visit Site

Continued from above

Some companies provide a wide list of credit related services to meet all your credit reporting needs, while others provide only bare basics with little or no customer assistance. Some companies offer insurance up to $1,000,000 and some provide very little to no coverage in the event that identity theft does occur.

If your goal is to improve your credit while effectively avoiding identity theft you'll want to choose a credit report service that specifically meets your needs. This includes assistance with disputing credit report errors, monitoring the progress of improving your credit, providing a knowledgeable staff to answer all your questions, offering insurance to pay for identity theft, and more.

With a number of credit report and monitoring services available today it's important to consider some key aspects of each company before making a decision. Some of these factors include:

  • Cost.  How does their price compare to their competition? Is the charge fair and reasonable and does it fit into your budget?. Do they charge monthly or is their one flat fee?
  • Credit Bureau Sources.  Where are the credit reports obtained from and what is being monitored for credit events? The most comprehensive credit reporting will include all three major credit bureaus including Experian, Equifax, and TransUnion.
  • Resources.  In the event that you need to dispute a credit report item does the company offer easy to use online tools? Does the company offer resources to help improve your credit score, and does it provide assistance in obtaining the best rates for your major purchases?
  • Assistance.  Credit reports are complicated and laws change frequently. Does the service provider have a knowledgeable customer service team?

TopConsumerReviews.com has reviewed and ranked the best credit report services available today. We hope these reviews help you find out your credit score and credit history right away!

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