Updated: January 27, 2023
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Credit Report & Score Services
Service Free Credit Reports & Scores Price Bureaus Monitored Scores Delivered Reports Delivered Free Trial Cancel Policy ID Theft Insurance Overall Rating Bottom Line
Free FICO score and Free 3-bureau credit report - No Obligation $14.95 per month; Free 30-day trial All 3 bureaus Free FICO Equifax score upon sign-up Free 3-in-1 (all three bureaus) credit report upon sign-up and
unlimited Equifax credit reports
30 days Any time $20,000 Free FICO score & 3-in-1 credit report plus 3-bureau monitoring; Best overall value
Free reports & scores from all 3 bureaus - No Obligation $14.95 per month; Free 30-day trial All 3 bureaus Free FICO Equifax score upon sign-up Unlimited reports from all 3 bureaus
30 days Any
time
$20,000 Free FICO score & 3-in-1 credit report
Free Experian credit report and score - No Obligation $14.95 per month; Free 30-day trial All 3 bureaus Free FICO Equifax score upon sign-up Free Experian credit report upon sign-up and unlimited Experian credit reports
30 days Any
time
$20,000 Free FICO score & 3-in-1 credit report plus 3-bureau monitoring; Best overall value
Reports & scores from all 3 bureaus w/ subscription $14.95 per month; Free 30-day trial All 3 bureaus Free FICO Equifax score upon sign-up Unlimited reports from all 3 bureaus
30 days Any
time
$20,000 Free FICO score & 3-in-1 credit report
Equifax Gold 3-in-1 Monitoring w/ ScorePower Review  
Equifax Credit Watch Gold 3-in-1 Monitoring Plus Score Power is our overall favorite among credit monitoring services. As a special promotion for ConsumerCompare.org visitors, you now get a free 30-day trial when you sign up from our site. When you sign up for the free 30 day trial, you also get a free Equifax FICO score and a free 3-Bureau credit report (reports from 3 bureaus laid out side-by-side for easy comparison). Since the FICO score is the score most lenders use to make decisions, this is the best score you can get. Equifax actually gives you an entire Score Power report which not only includes your FICO score but also a FICO Score Simulator that estimates what your score would be if you took certain actions, as well as a full explanation of factors affecting your credit score. And of course you want to see your reports from all 3 bureaus to make sure there are no errors on any of them (they all contain slightly different data) so this is also the best credit report you can get. Equifax is giving you both the report and score free just for trying their monitoring service for 30 days, so if you don't like it you can cancel and have paid nothing for your FICO score and 3-Bureau report, which you would have to pay $40 for if you bought it separately. We see no reason to cancel, though, as the monitoring service is excellent. We think monitoring all three bureaus is very important for both monitoring your credit and protecting against identity theft because sometimes lenders will only report a credit event to one bureau. Equifax constantly monitors all 3 bureaus and sends you an email alert within 24 hours of a change to any one of your 3 credit reports. You can also get an updated Equifax credit report any time you want. At only $14.95 per month after the free 30-day trial, this service is an excellent value. The only thing this service doesn't provide is FICO scores from your TransUnion and Experian reports as well as ongoing access to updated TransUnion and Experian credit reports. While it certainly would be nice to have the additional scores, we don't view this as a major drawback. And since you get your initial 3-bureau report and are alerted when any of the reports change, this essentially eliminates the need to get the updated reports (and you do get an updated Equifax report any time you want). Also, you only get an updated Score Power report (which includes your updated FICO score) once a year. Overall, with its free 30 day trial, free FICO score, free 3-bureau credit report and 3-bureau credit monitoring, Equifax Credit Watch Gold 3-in-1 Monitoring Plus Score Power gives you everything you need at the right price

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