What’s that you ask…which free credit score site is the best? Well, the answer to that question depends on many things, including what your specific wants and needs are.
There are so many different sites out there offering free credit scores these days, it’s hard to know which ones are definitely worth checking out, and which ones aren’t even worth the time it takes to mention their name.
Most of them are the same service re-branded by different companies to appear unique, which is really just a clever marketing ploy to make more money. We’re not going to talk about those right now, we’re here to discuss the “best of breed” credit monitoring services, the ones that provide the best value, most features and benefits, basically the ones that are worthy of recommending to others.
Most of these services cater to a certain need such as identity theft protection, or credit score monitoring. This means the first step you need to take is to decide what your needs are, then we can direct you to the service that fits you best.
Best Free Credit Score/Identity Theft Protection Service
We believe the best overall service for the free credit score with identity theft protection is IDENTITY GUARD® Total Protection. Why? Well, first off they give you all 3 free credit scores, 3-bureau credit report monitoring (with e-mail alerts of key changes), and extensive identity theft protection, all with a free 30 day trial.
As a member, you can get your updated credit scores every quarter, at no extra charge. They will also scan internet black markets for signs of fraud, and immediately notify you if any suspicious activity is detected. They offer free internet security software for you to use if you wish, with free updates as long as you are a member.
This service provides free credit scores, but its central focus is identity theft protection. For more info on Identity Guard, read our full Identity Guard review here.
Best Free Credit Score/Credit Score Monitoring Service
In this category, FreeCreditScore.com stands out as the go-to site. FreeCreditScore.com’s service has a focus on frequent credit score updates, and score monitoring. With them, you get your free credit score upon sign-up, with a 7 day free trial, along with 3-bureau credit report monitoring with alerts. You can view your updated Experian PLUS Score twice per month, much more frequent than most of the other credit score services.
They have great tools to track and monitor your score, and how it changes over time. You can set up alerts for when your score reaches a certain number, they will also give you helpful tips on what actions are best to take when trying to improve your score.
This service is mainly focused on credit score monitoring/tracking. For more info on FreeCreditScore.com, read our full FreeCreditScore.com review here.
Best Free Credit Score – No Credit Card Required Service
Credit Sesame is our favorite 100% free, no credit card required credit score and monitoring service.
When you sign up for your completely free Credit Sesame account, you will get your free credit score which will be updated on a monthly basis. You will also receive a basic credit monitoring service at no additional cost – while it is not nearly as feature packed as Identity Guard or FreeCreditScore.com as mentioned above, it’s still a great value considering it’s free!
As great as it is at tracking and monitoring changes to your credit score, it does little else. It’s mainly focused on obtaining your free credit score and tracking the changes over time. For more info on this, read our full Credit Sesame review here or learn how to get your free credit score without a credit card.