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Free
3-in-1 Credit Report & Scores
There are many ads out there for "Free Credit
Reports". Well, we think it's best to be
honest and upfront about Free Credit
Reports. Please remember to always read the
fine print on these offers.
Most sites will try and trick you into getting your
Free Credit Report, by hiding the fact that you are
actually enrolling into a Credit Monitoring Program,
which could be up $29.95 per month.(!)
Of course the Credit Report is technically free,
however it's only during a free trial period. Then
you have to pay a monthly fee to continue the
service. Based on our research, we have
compared all the Credit Monitoring
/ Free Credit Report offers so you can pick
the best one to suit your needs.
Remember -
Ordering Your Own Credit Report or Score will not
affect your Credit Report in any way
Here are the Top Free Credit Report Services:
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Join Citi® Credit
Monitoring Service -
First 30 days are
FREE!
$12.95 Per Month After -
Cancel Anytime.
Great Features:
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Personalized
Credit
Report and Score
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3 in 1 Credit
Report
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Get your 3-in-1 credit report, 3
credit scores, monitoring and
analysis at no additional cost
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Credit
Monitoring To keep track of
your credit file activity every
business day
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Alerts
of changes made to your credit file
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Toll-free access to Fraud and Credit
Education Specialists who are
available to assist with your
concerns
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Credit
Analyzer and Online Tools
Credit tips and tools to help you
understand your credit rating
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Our Take:
We think this is a great deal
because you get Free 30 day trial with Enrollment, and
3-in-1 Credit Report (all 3 agencies - Experian,
Equifax, and Transunion) along with 3 separate Credit Scores from all
Three Agencies. Most Monitoring products only give
you a one agency Credit Report or Score. Another
great benefit is that you get great tools that help you can
do to improve your Credit Score, personalized just for
your unique situation. It also happens to be one of the
cheapest at only $12.95 / Month, and you get a toll free
number for any questions. You can cancel anytime
without any further obligations.
MyFico.Com - ScoreWatch
100% Risk-Free 30-Day
FREE Trial
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Monitors important
changes to your FICO® score and
Equifax Credit Report™
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Provides timely
alerts when important changes
are detected
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Easy-to-read view
of how lenders see you and items affecting your
score
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Alerts
you when you might qualify for better
interest rates on loans
A week before your
30-day trial expires, we will contact you by email
to confirm that you wish to convert your trial to an
annual subscription. If you do not cancel prior to
the end of the 30-day trial, you will be billed at
the annual subscription rate of $89.95 when 30-day
trial expires.
Our Take: We think this is a good deal
because it is the only offer that gives lets your see
your official FICO Score.
However, you can only see your Equifax report with this
offer, not the other two Credit agencies. Also, it's the
best deal for one year of credit monitoring at $7.50
/Month, however you have to buy one year up front after
your free 30 days.
FreeCreditReport.Com
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Experience daily monitoring of your Experian, Equifax, and TransUnion credit reports
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Receive email alerts of key changes to any of your 3 credit reports
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Get unlimited Experian credit reports & credit scores with paid membership
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Enjoy $50,000 Identity Theft Insurance provided by Virginia Surety Company, Inc.
And more!
Our Take:
We think this is a OK deal, but you only get to see One
Credit Report from Experian, however you do get
monitoring from the other two agencies. However,
for the same price there are better deals that will give
you all 3 Scores and Reports.
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Triple
Bureau Credit Monitoring provides automatic
alerts when activity is detected to your credit
files at all three credit bureaus
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FREE
3-in-1 Credit Report and Triple Score — get
unlimited online access to your 3-in-1 Credit
Report and Triple Score, which merges your
credit information and scores from all three
credit reporting bureaus into one easy-to-read
report.
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Online
access to FICO® Scorewatch, which automatically
notifies you of changes to your FICO® score — at
members-only rates.
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Unlimited, toll-free access to Credit Report
Customer Service
Our Take: Privacy Matter gives you the
most information, including your three scores and
reports. However, the monthly fee is $19.95 -
$29.95 and
the free trial period is only 7 days vs. 30 days for the
other programs. If you want your complete credit
picture, you maybe want to choose this however it is the
most expensive option. Again,
the score is your estimated Credit Score, not your
official FICO Score, however they do offer you a
discount to see your official FICO Score.
A Quick Note about Credit Scores
With the
exception of MyFico.Com above, all the other
services provide an "Estimated Credit Score".
However, when you go to get any type of loan, your
lender will probably pull your actual FICO Score.
The difference between your Credit Score and FICO
Score is that only Fair Isaac can give you a real
FICO score, the rest of the three agencies (Equifax,
TransUnion, Experian) just estimate what your score
is.
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