Identity Guard

Bottom line: All 3 credit scores free; most comprehensive & best overall service; 25% discount & free 30-day trial
PrivacyGuard

Bottom line: All 3 credit scores for $1; monthly credit score & report updates plus other benefits; 30-day trial for $1
Trusted ID

Bottom line: All 3 credit scores free; great value, especially for families; free 14-day trial
Equifax Complete Advantage

Bottom line: All 3 scores plus excellent 3-bureau monitoring and ongoing Equifax score updates; no free trial
ProtectMyID.com

Bottom line: Cheapest monthly price to monitor all 3 credit reports, but no scores
LifeLock Credit Score Manager

Bottom line: 3-bureau credit monitoring & one-time 3-bureau credit scores; updates TransUnion score monthly
ID Protect Premium from American Express

Bottom line: 3 bureau monitoring and one-time 3-bureau credit reports available upon enrollment but doesn't include credit scores
CreditCheck Total

Bottom line: Monthly 3-bureau credit score updates; $1 7-day trial; a bit expensive
Equifax Score Watch

Bottom line: Only monitors Equifax report; two Equifax FICO® Score reports annually plus updated score whenever it changes; no free trial
CreditReport.com

Bottom line: 3-bureau monitoring; bi-monthly Experian score updates; free 7-day trial
True Credit 3-Bureau

Bottom line: Only monitors TransUnion credit report; unlimited TransUnion scores; free 7-day trial
FreeCreditScore.com

Bottom line: Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial

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Reader Question: How do I order my free credit report?

April 10th, 2008 - Posted by Joe

This is a post in our “Reader Questions” series where we publish actual question from our community. Ask your own question by visiting our contact form.

Q: What is the best way to receive my free credit report?

A: The Fair Credit Reporting Act (FCRA) allows you to receive one free credit report per year from AnnualCreditReport.com. Credit reports can be requested online or by phone. If you request a credit report online you will receive it immediately, but those requested by phone will take up to 15 days to be processed. Learn more more by visiting www.annualcreditreport.com.

If you would like to receive more frequent access to your credit report and credit monitoring that will alert you to any changes in your credit report as they occur, we suggest you consider a credit report monitoring service. Equifax with Score Power which offers monitoring of your credit reports with all three credit bureaus plus access to your Equifax credit reports and FICO score.

You can learn more about Equifax with Score Power and other credit report monitoring services by visiting our comparison of credit report monitoring services.

One Response to “Reader Question: How do I order my free credit report?”

  1. NextAdvisor.com Resources » Blog Archive » Credit Report Resources Says:

    [...] Reader Question: How do I order my free credit report? [...]

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