Want Your Credit Report for Free? 3 Websites that Do it for Free

Credit reports contain information about your borrowing history in detail. Lenders look at the report to analyze your credit worthiness before giving the loan. A number of companies will gladly take your money to show you your credit report.
However, you don’t have to pay any dime to view the report. Here we will look at three reputable online companies that provide updated credit reports at no cost at all.

1. Credit Sesame

Credit Sesame provides free credit report profile that is updated monthly. The report shows your credit score, debt payment history, balances, debt-to-income ratio, and other information related to your credit history. Although the online agency do not provide a detailed credit report, but you can still find the information helpful.

Apart from free credit report, the website also provides free monitoring as well. You will be instantly notified through email of any changes to the credit report. The website also gives recommendation to the individuals about the best loans for them based on their financial profile. It earns commission in case an individual signs up for the loan offered by one of its recommended lenders. That said the company does not sell information about the individuals to any third part provider.


Another website that provides credit score to individuals for free is You can obtain two free score through this site: a VantageScore 3.0 and Experian score. You will have to sign up for the free account, though you do not need a credit card.

What’s best about this site is that it offers you tip on how you can improve your credit score. Similar to Credit Sesame, it makes money when individuals sign up for offers that are offered through the promotional links. The site does not sell credit information to third parties.

3. Credit Karma

Credit Karma offers free credit report from Equifax and TransUnion that is updated weekly. You don’t need to have a credit card to use their services. The free credit scores are based on the latest scoring model of VantageScore 3.0, which has been made in collaboration of three main credit bureaus to obtain a more consistent and accurate score as compared to the FICO scores.

Just like Credit Sesame, Credit Karma will also track your credit report and instantly notify about any updates. In addition, the website offers free credit factor analysis that summarizes important information of the credit score. Also, the site provides free credit score simulator that show you how different actions such as increasing the credit limit or adding a new card will likely affect your credit score. Like the other two websites mentioned above, users can rest assured that their personal information will not be shared with third parties.

The free credit reporting service offered by the above three websites will allow you to get a broad look at your credit profile. It’s recommended that you sign up for all three of the free credit reporting service to get a detailed overview of your credit position.…