The Best Credit Report Services

More than just monitoring

Even if your credit is already good, the best credit report service will help you make it even better — and also monitor your identity to ensure nothing is happening to make it any worse. We worked with three financial experts and spent 19 hours testing top services to find which had the most robust monitoring and the slickest toolkits to help improve our credit scores.

Monitoring Your Credit Score

Improving Your Credit Score

  • February 3, 2017 — In January of 2017, the Consumer Financial Protection Bureau fined Equifax and TransUnion $23M for false advertising. While this doesn’t impact our top picks, the settlement does impact consumers, most notably any who paid for scores from either bureau (and are now due $17M in restitution). We’ve updated our reporting and added a breakdown of the Comprehensive Consumer Credit Reporting Reform Act, which calls for even further reform. We also updated pricing: Identity Guard and IdentityForce dropped their subscriptions to $15 and $20 per month respectively. And we looked at Quizzle. It was cut for not offering info from all three bureaus.

If you’re brand-new to credit reports, is a good starting point. You’re legally guaranteed one report from each of the Big Three credit bureaus every year, and is the place you get them from. The downside? This service offers just the reports — row after row of years, months, and dates that can be tricky to understand if you don’t know what you’re looking for. It’s a great way to get a sense of where you’re at credit-wise before shelling out for a paid service, but don’t expect a user-friendly experience.

Best for Improving Your Credit Score

myFICO Standout tools meet a thriving financial community.

If you’re on a more specific credit mission, you should know that your options fall into two categories: services that are focused on improving your financial health and those that are focused on protecting your identity (often the first sign of identity theft will appear on your credit report).

MyFICO sits pretty firmly in the first camp (although it does include extensive monitoring of your personally identifying information). All of myFICO’s signature features are geared toward helping you improve your credit score, from the slickest simulator tool of all we tested, to a killer app that tracks your every credit move, to a rich suite of educational tools. It’ll cost you $30 a month, but if you’re looking to make great strides in improving your credit score, or just want to see how high it can go, myFICO is your best bet.

IdentityForce is an identity theft protection service first. But if you’re happy with your credit score and mostly want to keep tabs on it, IdentityForce is $10 per month cheaper than myFICO and offers all the essentials. You get mobile alerts for major changes to your credit, direct access to all three of your credit reports, and a basic Credit Score Simulator to help you learn how to improve your credit. IdentityForce’s features aren’t quite as flashy as myFICO, but the service left us feeling comfortably up-to-date without being overwhelmed.

A final option is Identity Guard. Like IdentityForce, it’s marketed as an identity theft protection service but includes a comprehensive range of credit monitoring tools: mobile alerts, credit score simulator, and access to your reports. It stands out thanks to very thorough instructions. Need to submit a credit dispute? Identity Guard will walk you through the process. Not sure you’ve filled out your profile correctly? Identity Guard will let you know what still needs to be done. If you’re already comfortable with technology, this might be more help than you need, but it’s great reassurance if you’re feeling a little uncertain.

Our Picks for the Best Credit Report Service

Best for Monitoring Your Credit Score

IdentityForce Just the essentials, at an affordably monthly cost.

If you’re interested in keeping tabs on your credit but don’t necessarily need to aggressively improve your score, we really liked IdentityForce. Its educational resources aren’t as robust as myFICO’s, but it’s also cheaper: Its UltraSecure + Credit plan is only $20 per month — or $200 for a full year if you’re willing to commit up front. (The company does offer cheaper plans, but these provide identity protection only — no credit services.)

IdentityForce offers a clean, easy-to-navigate dashboard

Upon login, you’ll see a list of open bank and credit card accounts, plus summaries of your payment history and recent credit inquiries. Like myFICO and Identity Guard, you get access to your score from all three bureaus, along with a monthly tracker that monitors any changes. The tracker comes with a brief overview of factors influencing your credit. IdentityForce also provides links to all three bureaus’ dispute forms, so you’re not left wondering what to do if you notice a mistake on one of your reports.

IdentityForce does have a credit score simulator, but it’s less detailed than myFICO’s. You can use it to determine how actions like adding a credit card, eliminating a balance, or making on-time payments will impact your TransUnion score — but the simulator doesn’t offer these services for your Equifax and Experian scores. This was annoying, but ultimately not a deal breaker: If an action raises your score with one bureau, odds are good that it’ll do the same with the others.

IdentityForce monitors your scores from all three credit bureaus and includes a brief overview of influencing factors.

We found IdentityForce’s mobile alerts less overwhelming than myFICO’s. You can opt to receive email or text notifications if a purchase, withdrawal, or transfer is over a certain amount, and you can also be alerted if any new accounts are opened in your name. But we received fewer false flags with IdentityForce than we did with myFICO, which sometimes sent us alerts about old accounts that were no longer active. And if you do find yourself getting inundated with texts, you can change or turn off these notifications under your account settings. It’s worth noting, however, that IdentityForce doesn’t offer a mobile app or a very mobile-friendly website. You can get alerts of any major activity sent to your phone, but viewing your reports and scores may have to wait until you’re near a computer.

IdentityForce’s educational resources are fairly basic. There’s an FAQ section if you’re new to credit management and want an overview of important concepts, plus phone, email, and live chat services if you have lingering questions. Because IdentityForce doesn’t specialize in credit, its tools and resources are ultimately more geared toward identity protection. (If you’re interested in learning more about these services, check out our review of the best identity theft protection services.) The bottom line? If you just want to make sure nothing fishy is going on, IdentityForce is probably all you need. If you want in-depth insight on how to improve your score or crave step-by-step instructions, read on to learn more about myFICO and IdentityGuard.

Many of IdentityForce’s services are intended for identity protection rather than credit improvement.

Best for Improving Your Credit Score

myFICO By-the-minute credit score updates and tools that show how small tweaks will affect your credit make this a powerful resource.

If you’re looking for a credit report service because you want to get your credit as high as it can go, myFICO is your best bet. It’s directly associated with FICO, the most widely used credit score system — other credit report companies will also include your FICO score, but getting your scores from myFICO is getting them straight from the source. MyFICO is a subscription site, so you’ll be paying $30 every month to access its features — $10-15 more a month than our other top picks. But get ready to spend a lot of time playing around with the tools and resources and thinking about what you’ll do next to boost your score.

For anyone looking to actively improve their credit, myFICO’s Score Simulator shows how simple actions — like paying just a bit more on your credit cards — can make a big difference. The Score Simulator also lets you see how your score might change if you consolidate your credit card balances, apply for new credit, take out a mortgage, and more. It even shows you how your credit score will change if you do nothing (except paying your bills and making credit payments on time). If you’re hoping for a better interest rate a few months down the road, use the Score Simulator to see what you can do in just one month to improve that score. This tool alone is a standout — no other service we tested came close to providing this level of financial understanding.

The myFICO Score Simulator helps you plan improvements to your credit score by showing how certain actions, like applying for new credit or consolidating your balances, will affect your score.

The credit report section of myFICO is set up a little differently than some of our other contenders. Instead of tasking you with reading through all three credit reports yourself it gives you a top-level overview, highlighting the most important information. You can go through each aspect of your credit report more carefully by clicking through the table of contents.

Screenshot of myFICO Credit Report

The myFICO credit report section is a high-level breakdown of your credit report — and it’s much easier to understand.

That’s right: you don’t get to see your actual credit report through myFICO, but what it provides is in many ways easier to understand and navigate than a credit report, which can be an overwhelming amount of data without very much context. (Think rows of tiny red and green boxes combined with abbreviations like “UNIVERSAL CD CBNA.”) Instead, myFICO explains your credit history: what’s good, what’s bad, and what each of the Big Three thinks of you. If you want to see the actual reports yourself, you can get them each year for free through

MyFICO also sent the most comprehensive series of alerts and updates. You can elect to receive updates via email, text message, and mobile app notifications on anything from good news (your credit score has improved!) to bad news (your identity may have been compromised!).

Screenshot of myFICO Credit Alerts

The myFICO credit alert center had the most comprehensive set of alerts we could find.

This is actually the one area where myFICO can improve. We received three potential identity theft alerts on information that was several years out of date — in November 2013, for example, one of our emails and passwords was collected on a black market site. Another alert warned us that someone might have accessed a credit card that had expired in 2013. Although myFICO did provide us a detailed list of instructions to protect ourselves, it’s a little hard to change a password that was stolen three years ago or cancel an expired credit card.

None of the other contenders we tested flagged these “potential identity theft” issues, and although we appreciate myFICO’s attempt to thoroughly scan black market websites, waking up to three texts that all turned out to be false alarms wasn’t a fun user experience.

You know what is fun? The myFICO app. You can log in and watch your FICO Score 8 increase — and trust us, myFICO will let you know the minute it gets higher. We got credit score improvements after making a big payment on one of our credit cards, which is exactly the kind of positive reinforcement that can motivate people to pay down debt. The app also includes an identity theft alert section and an option to review your FICO Score 3B (all three bureaus’ scores) and Identity Analysis report.

It would be nice if the app let you connect directly to the myFICO forum — as of this writing, it doesn’t — because the forum is one of our favorite myFICO features. You can log on and discuss ways to improve your credit or boost your personal finance skills. The forum even has an entire section devoted to money and relationships.

Screenshot of myFICO forums

Sometimes the best way to improve your life is to surround yourself with other people working toward the same goal. If you want to improve your credit, the myFICO forum is a great place to start. While you’re in the Community section, check out myFICO’s blog and educational resources, which also earned our Best Overall ranking. All of our top picks included educational articles, but myFICO’s casual-but-informative blog was the one that made us want to keep reading. Are you ready to take its “How well do you know your significant other’s credit behavior” quiz?

Lastly, we should call out myFICO’s transaction alert services and balance-change services, which are nice options to have, even if they are likely redundant with the services your bank can provide. The transaction alert is pretty self-explanatory; you can choose to receive notifications via text, email, and/or app whenever one of your accounts registers a transaction over a certain amount — just to make sure those purchases are actually yours.

The balance-change service is more interesting. Let’s say you put $500 on your credit card every month. (Let’s also say you pay off that $500 every month because you’re a responsible credit user.) MyFICO will alert you any time your monthly credit spending goes over $500 — because that extra spending might come from an identity thief. Some may think getting an alert for this is overkill (or even annoying), but it goes to show that myFICO has thought of pretty much everything.

Best for Guided Help

Identity Guard® A very guided experience, with lots of step-by-step instructions.

If you’re the kind of person who always makes sure the oven is turned off before you go to sleep (even if you didn’t use the oven that day), you’re going to love Identity Guard. Like our top picks, Identity Guard is a subscription site — free for the first 30 days and $17 for each subsequent month. It’s an easy-to-navigate credit report and identity monitoring service that takes you step-by-step through every aspect of its system and tells you when you’ve reached maximum protection.

After you enter your Social Security number, for example, Identity Guard gives you these soothing words: “You don’t need to do anything to increase your protection level for your SSN.” Identity Guard’s dashboard shows you a central overview of all your active protection and flags any area that still needs setup. (MyFICO does this too, but its overview was pushed off to the side and partially below the fold, which was why we initially didn’t realize we hadn’t completed the steps involved in transaction monitoring.)

Identity Guard also sent us a peace-of-mind email after we finished setting up our credit monitoring: “There is nothing you need to do at this time. No action is required of you.”

Let’s say something does happen and you need to take action. Maybe you find a mistake on your credit report and want to correct it. All of our contenders give you the option of reporting errors on your credit report, but Identity Guard provided the most comprehensive explanation of how the dispute process works: The bureaus have 30 days to respond to your dispute, and they’re required to remove anything they can’t prove is accurate. If they do prove the information is correct (that is, if your dispute fails), you can ask them which institution helped verify that info. In case the credit-dispute process feels overwhelming, Identity Guard also includes an entire section titled, “Don’t Give Up.”

While Identity Guard has all the features you need to monitor your credit report and protect your identity, it’s missing a few of the extras that myFICO provided. Its phone app is pretty bare-bones (you can check your credit scores and make note of any alerts, but that’s it), and its educational section is equally basic. But out of the services we tested, it’s the best, by far, at providing peace of mind.

Best for Free Credit Reports Yearly free access to all three of your credit reports. is the kind of website that still uses the words “dot com” in its name. The design is outdated; it was difficult to navigate; and getting our free credit reports was a slow and frustrating process.

However, is the only source for your free credit reports, and it’s authorized by federal law. It says so right on the site.

Screenshot of claim is jointly run by the Big Three Bureaus in order to comply with FACTA, the Fair and Accurate Credit Transactions Act of 2003. FACTA requires that there be a website through which a person can access all three of their credit reports for free, and that’s why we have

That’s also why we still opted to recommend even though it didn’t fully pass all our criteria (it only provides credit reports, not credit scores).

There are a lot of good reasons to use as your credit report service, starting with the whole “Authorized by Federal Law” thing. Yes, you miss out on a lot of features that other services provide, including apps, forums, and step-by-step guides to filing credit disputes. You also miss out on identity theft protection and immediate alerts when something on your credit report has changed. But you do get one free annual credit report each from Equifax, Experian, and TransUnion per year — and if you stagger these reports over a 12-month period, you can check your credit report every four months.

Be aware that your free credit report is exactly what it sounds like: a long, sometimes confusing report. “The credit report you get for free annually is nothing more than data. There are no scores and there is no advice or analysis,” Ulzheimer reminds us.

For some people, that’s enough. For people who want to improve their bad credit but don’t have a lot of extra cash, this might be the best option. Jeff Rose explains: “If you have bad credit, you can save the money for monitoring and just pull your credit reports from Use all the information on your reports to go and fix all the stuff that is dragging your score down. Once you get all that cleaned up, you can move into the monitoring stage and watch as your score rises over time.” is a little more time-consuming than a paid credit report service. You’re going to need to remember when to request your next credit report; you’re going to need to review the information yourself; and you’re going to need to do your own work to figure out how to improve your credit. helps you out by providing useful guides on what to look for in your credit report and how to report identity theft. Once you’re done reading those guides, you have an entire internet of resources to help you on your DIY credit-improvement journey. We suggest starting with myFICO’s blog.

The Best Credit Report Services: Summed Up

Credit Report ServicesThe Best...
For Improving Your Credit
No-Frills Service
Free Credit Report Service
Identity Guard
Guided Help

Did You Know?

Good credit is a long game.

Time is your friend when it comes to credit. The Fair Credit Reporting Act requires credit reports to remove negative information after a certain period of time, under the theory that you shouldn’t continue to be penalized for mistakes made years ago. Late payments, for example, disappear after seven years. Your credit score is also likely to go up over time as you “age” your accounts and prove you can use credit responsibly.

There's a 20 percent chance your credit report has errors.

In 2012, the FTC completed a study that revealed one in five people had an error corrected on at least one of their credit reports, so don’t be surprised if you see something that doesn’t look right.

When we did our hands-on testing, we learned that one of our credit reports included an outdated address. (Technically, we only learned about the address issue when myFICO asked us to call Customer Care to confirm our identity and then told us one of our credit reports stated we had a different address than the one we gave the company. Another reason why myFICO earned our Best Overall ranking.)

If your credit report has errors, a good credit report service will provide instructions to help you start a dispute process. All of our top contenders included this resource, although the level of “instruction” varied significantly. Identity Guard gave us paragraphs of text on what to expect, and connected us to the Consumer Financial Protection Bureau for more information. MyFICO and IdentityForce just gave us links to the Big Three Bureaus’ dispute sites — but that’s often enough to get the process started.

Your credit report service can help you improve your credit.

MyFICO makes it very easy to see how simple actions, like paying off debt, can improve your credit — but even if you choose a difference service, you can use the information it gives to improve your credit.

“If you are not familiar with the main factors that cause changes in your credit score, credit report services will provide you with all the information you need to get your score in great shape,” Rose explains.

Look for the section where your credit report service lists positive and negative factors affecting your credit score. It sounds simple to say, “Do more of the positive stuff and less of the negative stuff,” but that’s really all there is to it. If your score is getting dinged for late payments or for having a high debt balance, start paying off more of your debt — and make sure to submit every payment on time. If you don’t have enough open credit accounts, consider applying for a new credit card and paying off the balance every month.

Remember that even if you do nothing (except make on-time payments!) your credit score is likely to improve over time, because the age of your credit will increase and any derogatory marks such as foreclosures will fall off your credit report. So do what you can to improve your score right now, and then have patience. Better scores will come to those who wait.

Watch out for “credit repair” companies.

If you’re looking to repair your credit in a hurry, you might be tempted to sign up with one of the numerous credit repair companies out there. Be very, very careful before paying someone to repair your credit. There are a lot of credit repair companies ready to take your money without providing any actual help — that’d be what we call a “scam” — and in many cases they’re doing the same things you can do for free, such as reporting incorrect information to the credit bureaus. The FTC reports that in some cases credit repair companies provide false information to the bureaus or use identity theft to get you a “new credit identity,” and you’ll both be in trouble if the credit repair company gets caught.

A good credit report service shows you exactly how to improve your credit, whether by disputing information or by making larger payments on your outstanding debt. If you sign up for a credit report company and don’t like the credit scores it gives you, be very careful before signing up with a credit repair company. Not all of them are out to get you, but this is an area that requires a lot of research and due diligence.

The credit reporting — and scoring — landscape is due for change.

The Consumer Financial Protection Bureau — the federal agency tasked with protecting consumers’ financial interests — receives thousands upon thousands of complaints every month (around 26,500, to be exact), and a significant portion of them are associated with credit reporting.

These complaints are often the result of four common problems: poor file keeping by creditors, identity theft, inaccurately reported payments from credit bureaus (also known as a furnisher error), and the re-aging of old debts. Some errors are innocuous, like a misspelled name or old address, while others, like unpaid accounts that don’t belong to you, can seriously harm your scores.

On March 19, 2016, Comprehensive Consumer Credit Reporting Reform Act, otherwise known as bill H.R. 5282, was introduced the House of Representatives. It calls for stiffer regulations to protect consumers from such errors — one of the biggest efforts to improve national credit reporting and scoring standards to date. In the words of Representative Maxine Waters (D-CA), if it passes it would “bring much-needed accountability to the credit reporting industry, which will enhance consumer and creditor confidence in the integrity of information on reports and restore fairness in the system. We like the sound of that.

The bill’s future is still fuzzy. It was introduced and referred to the House Committee on Financial Services the same day, but there’s been no further progress. Right now, we know two things. First, if the bill moves forward and is enacted, all reforms will take effect in two years. Second, the 202-page document covers seven primary reforms:

  • Free credit scores, not just reports. This is seriously notable. The bill requires that consumers receive annual credit reports reports (from and credit scores, not just the reports. If you’re going the DIY route, getting your scores for free, not just your reports, is a game changer. We’ll definitely keep an eye on this as it develops.
  • Reduce the time the most harmful credit information lives on your report. Late payments and chapter 13 bankruptcies currently remain on record for seven years. If the bill is passed, that term would be reduced to only four years — and chapter 11 bankruptcies would only appear for seven years instead of 10.
  • Regulate credit scoring. Consumer reporting agencies have only been supervised at a federal level since July 2016, but not regulated. This bill would give the Consumer Financial Protection Bureau “explicit authority” to monitor the development of the credit scoring models used by all major credit bureaus.
  • Prohibit the use of credit history in hiring decisions. Currently, federal law allows employers can run credit checks (as part of a standard background check) on applicants.
  • Transfer the burden disputes from the consumer to the creditor. Filing a credit dispute is kind of like being your own private investigator and prosecutor. You have to recognize the error, procure copies of all necessary documentation, build a compelling case, and file your dispute with the Consumer Financial Protection Bureau your state’s Attorney General. You’d still be responsible for surfacing complaints under the bill, but the difference is that creditors would handle all the dirty work of proving your dispute.
  • Give private student loan borrowers more flexibility. Currently, federal student loan borrowers can request adverse information, like a late payment, be removed from their reports after making consistent payments for a certain time period — if the bill passes, private loan borrowers would get the same benefit.
  • Provide extra relief services to victims of predatory lending. To help rehabilitate victims of predatory lending practices, the bill would prohibit consumer reporting agencies from furnishing (publishing on your report) adverse items that relates to those practices, like loan packing or risk-based pricing.

What’s more exciting is that some of these changes might already on the way. Stuart Pratt, president and chief executive of the Consumer Data Industry Association told The Washington Post he’s unsure of the need for bill H.R. 5282 because several of the proposed changes were already set in motion by a 2015 national settlement agreement.

The settlement required credit reporting agencies to institute increased protections for consumers — some on a national level — over the course of three years. The settlement already requires similar federal regulation of credit score models and extra relief to victims of predatory lending outlined in H.R. 5282. It also requires:

  • Improving the dispute process. Right now, computers handle a majority of the decision making for surfacing or killing disputes. This agreement requires that all credit reporting agencies employ specially trained humans dedicated to evaluating complaints involving fraud, mixed files, and identity theft.
  • A longer grace period for medical debts. Moving forward, credit reporting agencies will institute a 180-day waiting period before medical debts can be reported, giving the consumer more time to handle problems like insurance snafus before they negatively impact credit.

Equifax and TransUnion were fined for false advertising, and they’re fixing it.

According to the Consumer Financial Protection Bureau’s report on January 3, 2017, Equifax and TransUnion had been luring customers into expensive credit services by claiming they were free or only $1, but in fact cost more than $200 a year. Many of those customers were automatically enrolled in a subscription program and charged recurring fees ($17 of the $23 million CFPB fine went back to customers for restitution).

Customers were also misled into thinking that the educational scores they received were the same scores that lenders were using to make credit decisions. The scores consumers saw were educational scores or in-house scores, not FICO scores. FICO scores are calculated by the Fair Isaac Corporation (the company that invented the credit risk score) using data from the three major bureaus — Equifax, TransUnion, and Experian — and all credit reporting bureaus (CRAs) have to pay Fair Isaac to run FICO scores. To minimize costs, CRAs developed their own credit-scoring models — thus the educational score.

Lenders typically use FICO scores, not educational scores. And while educational and FICO scores are often very similar in value, but not always. It’s possible to have as much as a 100-point difference, enough to knock you a couple rungs down the credit ladder.

This does not mean that your FICO score is tainted. It does means that many Equifax and TransUnion customers were enticed to pay for educational scores that weren’t used by lenders and didn’t accurately reflect their credit health.

While this information is incredibly frustrating, both companies have agreed to modify their marketing practices in compliance with the Consumer Financial Protection Bureau’s order. You can read both consent orders here and here.

Take Action

Best Overall

myFICO Standout tools, a thriving community, and credit scores straight from the source.

Make sure your report is accurate. US News reports that the most commonly disputed information includes personal data (like the wrong address), credit account info (like an incorrect credit limit), and fraudulent activity (like an account opened by an identity thief). Look everything over very carefully, and don’t be afraid to dispute inaccuracies with the Big Three Bureaus.

Figure out what you need to do to improve your credit. This is where a credit report service can come in handy, because it’ll give you information on how your credit score was calculated and you can use that knowledge to improve your credit. Even if all you have is your free credit reports, you can still get a good sense of where you might need to improve. If your report shows a lot of late payments, for example, you know what you need to fix first.

Be patient. After the initial excitement of clicking around your credit report service has worn off, you might wonder why you need to keep paying for the monthly subscription. Remember that good credit is a long game. You’ll do the work of making your payments and aging your credit, and your credit report service will do the work of monitoring your progress and protecting your identity. Be patient, and watch that credit score grow.

More Credit Report Reviews

We’ve been looking into credit report services for a few years now, and you can check out some of our other reviews. They aren’t consistent with our latest round of research (yet!) so be on the lookout for updates in the upcoming weeks: