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Credit Reports and Credit Scores Choice of March 2024

Knowing your credit score is an important first step in finding the right credit card offer for you. The credit score will show if you will be approved for a credit card. You will know whether it's worth applying for a card for good and excellent credit history, or you'd better consider the offers for bad credit. If you've already have a credit card, track your credit score and see whether you are doing right or you need to change the credit behavior. It is good to check the credit report regularly and see if it is correct and do not contain doubtful records. The following services give consumers a FREE look at their credit scores with all 3 major credit bureaus instantly online.

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our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
$1 (for 7 days)
Monthly Fee
Up to $39.90
Credit Monitoring Alerts
Daily
  • Credit Report and Scores from all three bureaus.
  • 24/7 credit monitoring from all 3 credit bureaus.
  • Profiles Refreshed Monthly.
  • Get credit alerts quickly.
  • Roadside Assistance.
  • Additional Benefits/Rewards.
  • 7 Day $1 Trial Access.
  • Includes a credit learning center.
Apply for MyScoreIQ - Credit-Land.com

Rating 4.4

APPLY NOW

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
$1 (for 7 days)
Monthly Fee
$34.99
Credit Monitoring Alerts
Daily
  • 3 Bureau Credit Reports & FICO® Scores (Refreshed every 30 days)
  • 3 Bureau Daily Credit Monitoring and Alerts
  • Discounted Additional Reports and Scores
  • FICO® Score Ingredients
  • FICO® Score Tracker
  • FICO® Scores Simulator
  • Up to $1 Million in Stolen Funds Reimbursement
  • Family Protection – $25K ID Theft Insurance – ID Fraud Restoration
  • IQ Alerts with Application Monitoring
  • SSN Alerts
  • Dark Web & Internet Monitoring

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
$1 (for 7 days)
Monthly Fee
$34.99
Credit Monitoring Alerts
Daily
  • 3 Bureau Credit Reports & Scores (refreshed every 60 days)
  • Enhanced 3 Bureau Credit Report Monitoring
  • ScoreCasterIQ: New Product – provides a detailed analysis of your credit report, recommended actions to consider with the accounts impacting your score, and an interactive score simulation tool to educate and assit with general credit score scenarios.
  • Dark Web & Internet Monitoring
  • Up to $1 Million in Stolen Funds Reimbursement
  • Coverage for Lawyers and Experts
  • Coverage for Personal Expense Compensation
  • Family Protection – $25K ID Theft Insurance – ID Fraud Restoration
  • IQ Alerts with Application Monitoring
  • SSN Alerts
  • Synthetic ID Theft Protection

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
7 days Trial with $1.00 Processing Fee
Monthly Fee
$39.94
Credit Monitoring Alerts
Daily
  • 7-Day Premiere Access ($1 processing fee)
  • $9.94/wk Cancel anytime by email or phone
  • Featuring our Dispute Center to address errors on your report
  • Get your current VantageScore 3.0
  • Full Credit Report
  • 3 Bureau Credit Monitoring

our choice

Credit Bureaus Monitored
Experian
Trial Term
Always free
Monthly Fee
No
Credit Monitoring Alerts
Daily
  • Your Experian Credit Report is Completely FREE. See it now!
  • No credit card required
  • Checking your own Report doesn't hurt your credit
  • Report refreshed every 30 days on sign in

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
$1 (for 7 days)
Monthly Fee
$32.99
Credit Monitoring Alerts
See terms
  • 3-Bureau Credit Reports & Scores (refreshed every 60 days)
  • Improve Your Credit Score with Utility Payment Reporting
  • Enhanced Credit Monitoring
  • Dark Web & Internet Monitoring
  • Up to $1 Million in Stolen Funds Reimbursement
  • IQ Alerts with Application Monitoring
  • Checking Account Report

our choice

Credit Bureaus Monitored
TransUnion
Trial Term
Always Free
Monthly Fee
No
Credit Monitoring Alerts
Daily
  • Do more with your credit score! Explore free credit monitoring, credit cards, loans and sesame cash that help build your financial wellness!
  • Free $50K identity theft insurance and ID restoration help!
  • Only Credit Sesame Gives You Your Free Credit Score & Cash Rewards For Improving It!
  • Check your credit score doesn't hurt your score & Understand your best next steps with a free credit strategy!
  • Get Sesame Cash for free – it is the credit builder card to help you build positive credit history with no interest and no prior credit check!
  • Only Credit Sesame Gives You Your Free Credit Score, Cash Rewards For Improving It & Much More!

our choice

Credit Bureaus Monitored
Experian
Trial Term
$1 (for 7 days)
Monthly Fee
$21.95
Credit Monitoring Alerts
Daily
  • Find out now when you check your Credit Report for $1.
  • Checking your own credit will NOT lower your Score.
  • 90% of top lenders use FICO® Scores.
  • Increase your FICO® Score instantly with Experian Boost™

our choice

Credit Bureaus Monitored
TransUnion
Trial Term
Always free
Monthly Fee
Free
Credit Monitoring Alerts
Yes
  • Get a head-turning credit score with credit monitoring, alerts, scores, tips, and tricks -- all in one place -- for FREE.
  • Monthly TU credit report and score.
  • Smart AI credit engine proven to optimize results.
  • Join the members that see a 37 pt credit score increase.*
  • 100% Free. No credit card required.
  • Over 10,000 reviews (5-star rating)!
  • *Average increase experienced by a sample of 3,614 Dovly Free members as of May 2023.

our choice

Credit Bureaus Monitored
One bureau
Trial Term
Free (for 7 days)
Monthly Fee
$29.95
Credit Monitoring Alerts
Daily
  • Checking your own credit will NOT lower your score
  • Get an idea what lenders see when evaluating an application
  • Toll-free support available 7 days a week
  • Free 3 bureau credit scores with 7-day trial

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
$1 (for 7 days)
Monthly Fee
$39.90
Credit Monitoring Alerts
Daily
  • Checking your own report will not lower/affect your credit scores
  • Daily credit monitoring and alerts
  • Review your report for potential errors/inaccuracies
  • Toll free customer care available 7 days a week

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
$1 (for 7 days)
Monthly Fee
$34.99
Credit Monitoring Alerts
See terms
  • 3-Bureau Credit Reports & Scores
  • Credit Report Monitoring
  • Score Analysis and Recommendations
  • Dark Web & Internet Monitoring
  • Application Monitoring
  • $1 Million in Stolen Funds Reimbursement Underwritten by AIG

our choice

Credit Bureaus Monitored
TransUnion
Trial Term
$1 (for 7 days)
Monthly Fee
$39.94
Credit Monitoring Alerts
See terms
  • 7 day Trial with $1.00 Processing Fee
  • Unlimited access to your credit score
  • Email alerts of activity in your name
  • Comprehensive credit learning center
  • Toll free access to Customer Service

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
Free (for 7 days)
Monthly Fee
$29.95
Credit Monitoring Alerts
Daily
  • Updates to your credit reports and scores from all 3 bureaus shows you how you may look to lenders.
  • Get notified about suspicious activity that may pose a threat to your identity and credit.
  • Identity theft reimbursement insurance 238
Apply for MyFICO - Credit-Land.com

Rating 3.2

APPLY NOW

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
No trial period
Monthly Fee
$19.95, $29.95 or $39.95
Credit Monitoring Alerts
Daily
  • 3-bureau credit report from Experian, Equifax and TransUnion (1 or 3 bureaus depends on plan)
  • FICO® Scores most used for mortgages, auto loans, and credit cards.
  • Proactive credit report monitoring and alerts
  • $1M identity theft insurance*
  • 90% of top lenders use FICO® Scores when making lending decisions

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
No trial period
Monthly Fee
$24.95
Credit Monitoring Alerts
Daily
  • UNLIMITED Score & Report access — updates available daily
  • Use tools like CreditCompass™ to see your credit potential
  • Email updates of critical changes
  • INSTANT email alerts sent as soon as TransUnion finds out someone’s applied for credit in your name
  • Lock and Unlock your TransUnion and Equifax Credit Reports
  • Personalized Debt Analysis & Credit Score Trending
  • UNLIMITED toll-free access to ID theft specialists
  • Up to $1,000,000 ID theft insurance
Apply for GetMyFreeScores - Credit-Land.com

Rating 4.2

APPLY NOW

This offer is not available in U.S. Territories.

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
Free (for 7 days)
Monthly Fee
$29.95
Credit Monitoring Alerts
Daily
  • UNLIMITED access to your Credit Scores
  • Daily Credit Monitoring & Alerts
  • Instantly Access Your 3 Credit Scores
  • Your Scores Delivered in Seconds

our choice

Credit Bureaus Monitored
Experian
Trial Term
Always free
Monthly Fee
See terms
Credit Monitoring Alerts
Daily
  • No credit card required
  • Checking your own Report doesn't hurt your credit
  • Report refreshed every 30 days on sign in

our choice

Credit Bureaus Monitored
All three bureaus
Trial Term
$1 (for 7 days)
Monthly Fee
$29.99
Credit Monitoring Alerts
Daily
  • 3 Bureau Credit Reports & Scores (refreshed every 60 days)
  • Dark Web & Internet Monitoring
  • 7-Day Trial $1 then only $29.99/mo!
  • Family Protection – $25K ID Theft Insurance – ID Fraud Restoration
  • IQ Alerts with Application Monitoring
  • Score Change Alerts
  • Credit Score Tracker
  • Roadside Assistance
  • Platinum Benefits
SHOW MORE CARDS

questionsABOUT
CREDIT CARDS AND SCORES

How can I improve my credit score?

The good news is that if you have a bad credit score there are a lot of things that you can to fix it. Even if your score is fair but you are interested in bumping it up to the next category there are proactive steps...

Read more
Who keeps track of an individual's credit history and score?

As per the United States legal guidelines, there are only three huge credit report agencies, and they are - Equifax, Trans Union and Experian.

Read more
What is a credit score?

Based on the salary one earns, amount in credit that goes to a bank or various banks, monthly regular payments and a clean financial records gives an individual a higher credit score or also called credit rating,...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

Choose the Card That Will Improve
Your Credit Score

Your credit score is crucial when choosing a card. Is determines how eager issuers are going to be to provide you a credit card, which card you are likely to get and how big a credit limit you are going to be approved for. Therefore it is vital to take care of your credit score and try to make it as good as possible. After all, the best deals and rewards are available to you starting from good or excellent credit and the best options to avoid or deal with large balance are also usually open to people with good credit history.

However, the very credit cards you apply for can help you build your credit history. There are cards for bad credit and for limited or no credit there are secured credit cards. Those cards are specially designed for building credit. You have to put a deposit that usually amounts to the credit line you get and you can use this credit card. After you credit gets better, you can upgrade the card to a better one or apply for another with better conditions.

Although cards help a great deal, it is actually you who is responsible for improving your credit score. The key to doing that is always paying your bills on time and monitoring your credit score often. Carrying a balance is the last thing you can do when trying to improve your credit. Since your utilization ratio is calculated as your balance divided by your credit line, we would advise against maxing out your credit on one card. It's better to take several cards and charge a little from each of them. Paying off your balance on time also helps you pay less for your cards as you won't face the interest that accrues. Credit cards for limited or bad credit usually have larger APR than cards for better credit.

You need to remember though, that cards themselves won't get you into debt. This is a common misconception, but credit cards on their own don't cause bankruptcy. Some people don't apply for them because they are afraid of debt. But if you are responsible, there's no danger for you, on the contrary, having a long credit history may come in very handy if you suddenly need a big loan or a mortgage or you are hit with massive medical charges. To be ready and fully armed, you need to always keep an eye on your credit history and check it once in a while. You can easily do that with one of our offers above.

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commentsABOUT
CREDIT SCORE PRODUCTS🜂

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