title: Comparison of free credit monitoring services
text: # Comparison of free credit monitoring services
  
  The following chart compares websites that provide United States credit reports or credit scores free of charge. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of credit reports are included, and whether a full Social Security number is needed.
  
  According to the Federal Trade Commission, "AnnualCreditReport.com is the only authorized source for the free annual credit report." Care should be taken when providing a full Social Security number to any other website.
  
  Comparison of free credit monitoring websites :
  
  | Name | Frequency | Credit bureau(s) | Full SSN required? | Scoring model |
  | - | - | - | - | - |
  | AnnualCreditReport.com | Annual full official report (one from each agency) | Equifax, Experian, TransUnion | Yes | No score provided |
  | CreditCards.com by Bankrate | Monthly full report | TransUnion | Last 4 digits only | VantageScore 3.0 |
  | CreditWise by Capital One | Weekly full report | TransUnion | Yes | VantageScore 3.0 |
  | CreditWorks Basic by Experian | Monthly full report | Experian | Yes | FICO 8 |
  | Credit Journey by Chase | Weekly summary | TransUnion | Yes | VantageScore 3.0 |
  | Credit Karma | Daily TransUnion & Daily Equifax full reports | TransUnion, Equifax | Sometimes | VantageScore 3.0 |
  | Credit Sesame | Monthly summary | TransUnion | Last 4 digits only | VantageScore 3.0 |
  | Equifax Core Credit | Monthly summary | Equifax | Last 4 digits only | VantageScore 3.0 |
  | LendingTree | Monthly summary | TransUnion | Last 4 digits only | VantageScore 3.0 |
  | Mint by Intuit | Monthly summary | TransUnion | Yes | VantageScore 3.0 |
  | myBankrate | Monthly full report | TransUnion | Last 4 digits only | VantageScore 3.0 |
  | MyCredit Guide by American Express | Weekly full report | TransUnion | Last 4 digits only | VantageScore 3.0 |
  | NerdWallet | Weekly full report | TransUnion | Last 4 digits only | VantageScore 3.0 |
  | Nav | Every 30 days | Experian and Dun & Bradstreet | Yes | VantageScore 3.0 |
  | TransUnion TrueIdentity | Monthly full report | TransUnion | Last 4 digits only | VantageScore 3.0 |
  | WalletHub | Daily full report | TransUnion | Last 4 digits only | VantageScore 3.0 |
  