Top 25 Credit Reports and Score Products

1. AnnualCreditReport www.annualcreditreport.com
Free credit report from top three credit reporting bureaus, available at no charge annually to individual consumers. It's important to keep track of changes in your credit report to be aware of fraud and identity theft. This is the only official and truly cost free agency for obtaining your credit report with no hidden cost. Credit scores are available from reporting agencies at additional cost. This is only for credit reports.

2. Equifax www.equifax.com
One of the credit reporting bureaus responsible for compiling credit information and scores. Obtain a free report from Experian annually, additional cost for credit score. Free report also available if you suspect fraud or identity theft.

3. TransUnion www.transunion.com
Another of the three bureaus responsible for compiling your credit reort and score. Also will issue one free report annually, with credit score available at additional cost. will usually have slightly different information than the other two bureaus. It's good to check all three bureaus for this reason.

4. Experian www.experian.com
One of the three bureaus that tracks credit information. Will have slightly different information in report from the other two bureaus, and will issue a free report once a year on request. Score is available at additional cost.

5. QSpace
QSpace.com is the leader in online credit. The first company to design, develop and market the most technologically advanced consumer credit reports distribution over the Internet has provided consumers with personalized tools to manage their individual credit online since 1997. Highest rated by consumers on epinions.com for ease, cost, and convenience. Saves time over going to individual bureaus for reports.

6. Credit411.com
Credit411.Com was founded in September of 1998 in an effort to provide consumers with a secure and simple process for obtaining their credit reports and other personal records. Costs more than other services, not as highly rated as Qspace, but does provide reports from all three credit bureaus.

7. myFICO.com
Provides credit report and score in one service. Convenient, one stop credit watch, though consumers report difficulty in canceling service when they no lnger want the credit watching service they are automatically subscribed to.

8. Privacy Guard
Reports from all three bureaus, plus ongoing credit monitoring service. Important if you like to keep track of changes in you credit information. Also tracks public records.

9. affinionsecuritycenter.com
ASC’s capabilities encompass a broad range of data protection services, monitoring, reporting and support services. Members can receive updated credit reports from one or more of the three major credit reporting agencies. Credit reports can be fulfilled online or offline at predefined intervals, and in a variety of configurations, including sorted and merged. Also provides computer network security and general data protection.

10. truecredit.com
TransUnion's 3-in-1 credit report and score service. Online, convenient reorts from one of the 3 reporting bureaus. Also can provide credit monitoring service for $14.95 a month.

11. First American CREDCO firstam.com
Provides a three bureau credit report. Also provides services at industry level: Instant Merge SoftTouch: Soft inquiry 3-bureau credit reports for consumer counselors, Rapid ReCheck: Fast, bureau-level updates of incorrect or out-dated credit information, CSD Notification Services: Credit Score Disclosure services to comply with FACT Act regulations, CreditXpert: Score simulation software designed to find errors or inconsistencies in an applicant's credit report, Enhanced Decode Directory (EDD): Creditor contact information reporting solution. Primary business is Mortgage and title industry.

12. creditreportsandscores.com
Reports and scores from all three bureaus, and credit monitoring service. Free 7 day trail, $14.95 a month subscription.

13. nationalcreditreport.com
Current copy of your Experian credit report, Current Experian Credit Score, 7 days of pro-active SafeGuard™ Identity Theft Monitoring with email notifications of all activity, ncludes $25,000 of Identity Theft Insurance* Free trial, paid subscription service.

14. spendonlife.com
Free 3-in-1 report and score, 7 day trial, paid subscription thereafter. Includes Credit Diagnosis, which provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits.

15. freecreditreportsinstantly.com
Free 3-in-1 report, with on going credit monitoring service. Free, but $1.00 processing fee.

16. consumerinfo.com
Automatic daily monitoring of your Experian credit report, Email alerts of key changes to your credit report Unlimited FREE credit reports with paid membership. An Experian company, free 30 day trial, $11.95 per month for continued service.

17. gofreecredit.com
Free 3-in-1 report with 7 day trial. Automatic notification of changes to your report. $14.95 subscription after 7 days.

18. smartbusinessreports.com
Experian company, monitor your business' credit report, Comprehensive, Competitive low prices
Unlimited access and monitoring. As important for a business to monitor credit as it is for an individual.

19. IDENTITY GUARD identityguard.com
3-in-1 Credit Report with 3 Scores Personal Public Record Report Internet Security Suite Software ID Vault, your Personal Password Protector, comprehensive identity theft protection, free 30 day trial, $17.99 a month subscription service.

20. creditchecktotal.com
7 day free trail for 3-in-1 report and score, subscription credit monitoring with email alerts $19.95 a month.

21. freescore.com
7 day free trail for 3-in-1 report and score, subscription credit monitoring with email alerts does not state monthly cost.

22. privacymatters.com
30 day free trail for 3-in-1 report and score, subscription credit monitoring with email alerts $29.95 a month.

23. creditkarma.com
Free credit score and credit report summary at no charge, sponsored by advertising. No hidden fees.

24. freecreditreport.com
7 day free trail for 3-in-1 report and score, subscription credit monitoring with email alerts $14.95 a month.

25. creditnexus.com
Free credit score and credit report summary with Enrollment in IDENTITY GUARD Total Protection, FREE 30 Day Trial.

Author: M. Lehrer, Credit Score & Financial Writer