2023‘s Best Reviews: Credit Report Sites

Written by: Ashley Dull

Ashley Dull

Ashley has managed content initiatives for BadCredit since 2015, having worked closely with the world’s largest banks and financial institutions, as well as press and news outlets, to publish comprehensive content. Her credit card commentary is featured on national media outlets, including CNBC, MarketWatch, Investopedia, and Reader's Digest.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience, having written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times. A former business writer and business desk editor, Lillian ensures all BadCredit.org content equips readers with financial literacy.

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Our experts have reviewed and rated the top credit report services below, ranking them based on free trial offers, reputation, and other factors. Our reviews follow strict editorial guidelines. Understanding your credit report is an important first step in securing your financial future, and these services can help you do just that:

Advertiser Disclosure
  • Get quarterly access to your 3-bureau credit report
  • Reports come with all 28 most commonly used FICO Score versions
  • Receive alerts for any identified changes to monitored data for your Experian, TransUnion and Equifax credit reports
  • Up to $1,000,000 in Identity Theft Insurance
  • Click here for sign-up and details


Overall Rating

Bureaus Checked Free Trial? Monthly Cost Reputation Score
3 Bureaus N/A $29.95 9.0/10
  • See your free credit score
  • Protect your credit with email alerts from ALL 3 bureaus that could indicate identity theft
  • Sign up today and you will also get a free trial of 3-Bureau Credit Monitoring which will monitor all of your credit files and alert you to key changes that could impact your credit score
  • Checking your own credit does NOT hurt your score
  • Click here for sign-up and details.


Overall Rating

Bureaus Checked Free Trial? Monthly Cost Reputation Score
3 Bureaus 7 Days $16.95 After Trial 8.5/10

Advertiser Disclosure

BadCredit.org is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free for users, we receive advertising compensation from the financial products listed on this page. Along with key review factors, this compensation may impact how and where products appear on the page (including, for example, the order in which they appear). BadCredit.org does not include listings for all financial products.

Our Editorial Review Policy

Our site is committed to publishing independent, accurate content guided by strict editorial guidelines. Before articles and reviews are published on our site, they undergo a thorough review process performed by a team of independent editors and subject-matter experts to ensure the content’s accuracy, timeliness, and impartiality. Our editorial team is separate and independent of our site’s advertisers, and the opinions they express on our site are their own. To read more about our team members and their editorial backgrounds, please visit our site’s About page.

Information Warranty & Disclosure: Great efforts are made to maintain reliable data on all offers presented. However, users should check each provider’s official website for updated terms, details and conditions for each offer before applying or signing up. Our site maintains strict terms of service and may accept compensation for paid ads or sponsored placements in accordance with these terms. Users must be at least 18 years of age to be eligible for financial offers as per the terms presented on provider websites.

* FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.