What is the best site to get a free credit report?

Your credit score is definitely one of your most important financial records and you surely want to keep tabs on it. But sadly, a lot of sites offer credit report for a fee and you don’t want to pay a fee each time you need your credit report or score. The question is: how do you get a free credit report?

We are in the 21st century and most of the resources you need can be found online; getting a free credit report is not exempted. With several sites offering free credit reports, you don’t just want to go for any sites, you want to go for the best site.

Make Use of Annual Credit Report

When you talk about getting a free credit report, the first site that comes to mind is annualcreditreport.com. However, Annual Credit Report only offers one free credit report every 12 months from all the major bureaus, namely Equifax, TransUnion, and Experian. However, if you need another credit report after getting the first free credit report, you may need to pay a fee.

Another important caveat to note about Annual Credit Report is that the credit reports do not contain your credit score. In other words, if you still need your credit score, you might have to look elsewhere. Interestingly, there are oodles of sites that offer free credit report together with a credit score. Some of the most popular and best sites are discussed below.

Free Credit Report from Quizzle

Quizzle formerly partnered with Experian but it now partners with Equifax. This platform makes it easy for you to access your credit score and report. Quizzle provides a comprehensive and free credit report from Equifax every six months as well as updates from VantageScore. Moreover, you don’t need to make any purchase or to provide your credit card information to make use of Quizzle.

Credit Karma Free Credit Report

Credit Karma provides free credit report and score from TransUnion and Equifax on a weekly basis. Unlike Quizzle and some other platforms, Credit Karma does not feature a lot of ads. However, the platform only offers you a partial credit report, unlike Quizzle but it provides access to a wide range of credit tools, making it easy for you to access not only a free credit report but to compare credit, simulate credit score and so forth.

Free Credit Report Credit Sesame

Just like Credit Karma, you don’t need a credit card to join Credit Sesame and it provides a seamless way to get a free credit report. But unlike Credit Karma, Credit Sesame members access their VantageScore from TransUnion. You will also have access to several features such as personal tips that depends on your credit profile, money saving options, options to lower your payments if you are overpaying fees and interests, credit monitoring and alerts.

There are lots of other sites to get a free credit report. Some other interesting sites include credit.com, WalletHub, to mention a few.

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