At present, everybody seems to be in a state of panic about their credit report, and rightfully so. This is because keep a check on your credit report is a great way to safeguard your identity. If you are also interested in getting a credit report, then you have landed on the right place. In this article, we are going to discuss the importance of a credit report, a bit about how to interpret it and finally, where you can get free credit reports.

One old school trick is to simply sign up for any reputable credit monitoring service. Concerned about getting charged too much for your credit report? Or do not want to pay at all? Worry not, we got a trick up our sleeves that works like a charm. You can cancel the trial before you can be charged. However, it would be of more use to keep the subscription, in order to keep tracking your credit report. The choice is yours.

There is another way to get your credit report. You could always sign up for a free credit report service that many websites offer. The downside is that you wouldn’t get a full-length credit report but it should give you enough information and a few good credit tools.

Let’s take a look at free credit report sites 2019 and dive in to what they have to offer. Please note that the services we are going to mention are not free forever. Some of them offer a trial service, however you do get what you are paid for, if you go beyond the trial period.

1. IdentityForce

Probably one of the most reputable credit report websites that you can find on the internet. They have tremendous customer service ratings and there is a 30-day trial period for both UltraSecure and UltraSecure+ services. It is up to you whether you would want to cancel your credit report subscription before the trial period ends. However, both the services that they offer charge as little as $13 and $20 on a monthly basis.

The difference between the two services is that UltraSecure lets you monitor your credit scores. However, it is the UltraSecure+ that lets the users to actually view their credit reports. That all being aside, there is no doubt that IdentityForce lets you view and monitor your credit reports efficiently and at a market competitive rate. [i]

2. Identity Guard

Would you be interested in getting detailed credit monitoring and identity theft protection service at a reasonable rate? If the answer is yes, Identity Guard is the place to visit. They offer two plans, costing $10 and $25 per month. Get in touch with Identity Guard to know which service suits you best. Again, you have the option to cancel the subscription as your trial period comes to its expiry. Or you could continue using the service and enjoy a range of premium features.

However, the trial subscription allows you to get 3 credit scores with 3-beureau credit report updates. Moreover, it also includes services such as lost wallet protection, monitoring of public records, account takeover alerts and most importantly the comprehensive analysis showing what affects your credit. Considering all these features and more, you should be able to get a pretty good idea about your credit reports, and that too for free. Whether you want to continue and buy the premium plan is your choice. [ii]

AnnualCreditReport

As per the ruling of Fair Credit Reporting Act (FCRA), it is the right of every US based citizen to get a free copy of their credit report once a year. It can be achieved from any of the three credit-reporting companies: Experian, TransUnion and Experian. The most distinguished feature of AnnualCreditReport is that it is the only service that has the authority to fill user orders for free annual credit report.

There is no reason to ignore this amazing service by AnnualCreditReport. The only logical reason for choosing another service over this one is that they are offering more comprehensive data, such as IdentityGuard does.

When you subscribe to AnnualCreditReport, you receive a copy of your credit reports. It is up to the user’s discretion whether they want it instantly accessible (online) or shipped by mail, which may take up to 15 days. [iii]There is another option to get the same report over phone. However, it is to be noted that getting a credit score would cost you $8. The fee may change, as per AnnualCreditReport terms and conditions, so it is always best to check the fee on their website.

4. Quizzle/Bankrate

Never heard of Quizzle? Don’t worry! It is probably because you never gave a serious thought about getting a free copy of your credit report. Currently partnered with Experian, they used to be partnered with Equifax. This is a good news for anyone who wants to get their credit report from a company with access to all 3 major credit bureaus. On top of all of that, it is totally free.

The interesting thing about Quizzle is that they are open about the fact that they provide financial advice about products matching your financial data. What distinguishes Quizzle from other services is that they provide comprehensive report from Equifax biannually. To further clarify it, know that services like Credit Sesame and Credit Karma provide fractional reports from agencies they are partnered with.

As you sign up with Quizzle, you get VantageScore updates along with a breakdown of every account. To make the services more user friendly and easy to use, the users do not even have to enter a credit card or make a purchase. Are you interested in securing a home loan? You’re in luck as Quizzle also gives you these kind of information which might come in handy at any point in life. [iv]


[i] https://www.identityforce.com/

[ii] https://www.identityguard.com/

[iii] https://www.annualcreditreport.com/

[iv] https://www.bankrate.com/quizzle/