Choose the credit visibility you need for 2026
Start free when you only need a baseline. Pay only when three-bureau monitoring or identity coverage solves a real need—and compare the ongoing cost before enrolling.
Start with your goal
Choose the level of credit visibility you actually need
Know before you apply
See if you qualify for premium cards before triggering a hard inquiry.
Catch errors early
One in five reports has an error. Dispute inaccuracies that may be hurting your score.
Track your progress
Watch your score improve as you build good credit habits over time.
Free Credit Score Services
Always FreeThese services give you access to your credit score at no cost — a great starting point for understanding your credit health.
Bureaus
TransUnion
Monthly Fee
Free
- Free credit score & daily monitoring
- Free $50K identity theft insurance
- Cash rewards for improving your score
- Sesame Cash credit builder card
Bureaus
Experian®
Monthly Fee
Free
- Free Experian credit report & FICO® Score
- Instantly raise your score with Experian Boost®
- No credit card required
- Daily Experian credit monitoring & alerts
Bureaus
Experian®
Monthly Fee
See terms
- Free Experian credit report & FICO® Score
- No credit card required
- Daily updated credit report
- Understand how you look to lenders
Paid Credit Monitoring Services
Most with $1 TrialThese services offer broader monitoring, FICO® scores, and identity-protection features. Check the trial terms and ongoing monthly price before you enroll.
Bureaus
All 3 bureaus
Trial
7-day trial — $1.00
Monthly Fee
$39.94/mo
- All 3 bureaus: TransUnion®, Experian & Equifax®
- Unlimited access to your credit score
- Email alerts of activity in your name
- Comprehensive credit learning center
- Toll-free customer service
Bureaus
All 3 bureaus
Trial
$1 (7-day trial)
Monthly Fee
$39.99/mo
- AI-driven interactive credit analysis
- Unlimited dispute generation
- 3-bureau credit scores & reports
- Credit building tools
- Track scores, reports, and progress
Bureaus
All 3 bureaus
Trial
$1 (7-day trial)
Monthly Fee
$34.99/mo
- 3 Bureau FICO® Scores & Reports
- Daily credit monitoring & alerts
- $1 Million identity theft insurance
- Dark web & internet monitoring
- Social Security Number alerts
Bureaus
All 3 bureaus
Trial
Free (7-day trial)
Monthly Fee
$29.95 → $39.95/mo
- Free 3-bureau credit scores with 7-day trial
- Checking your own credit will NOT lower your score
- See what lenders see when evaluating your application
- Toll-free support available 7 days a week
Bureaus
All 3 bureaus
Trial
$1 (7-day trial)
Monthly Fee
$34.99/mo
- 3-bureau credit report & scores
- Enhanced credit & identity monitoring
- $1 Million ID theft insurance & reimbursement
- ScoreCasterIQ® simulation tool
- Instant access to reports & scores
Bureaus
All 3 bureaus
Trial
$1 (7-day trial)
Monthly Fee
$32.99/mo
- Improve your score with utility payment reporting
- 3-bureau credit reports & scores
- Dark web & internet monitoring
- Up to $1 Million in stolen funds reimbursement
- IQ Alerts with application monitoring
Bureaus
All 3 bureaus
Trial
$1 (7-day trial)
Monthly Fee
$29.99/mo
- Instant access to all 3 credit scores
- Daily 3-bureau credit monitoring
- $1 Million ID theft insurance
- Dark web & identity monitoring
- $25K ID theft insurance for kids
Bureaus
All 3 bureaus
Trial
No trial period
Monthly Fee
Free / $29.95 / $39.95
- FICO® Scores most used by lenders
- 90% of top lenders use FICO® Scores
- Up to $1 million identity theft insurance
- Proactive credit report monitoring & alerts
Bureaus
Experian®
Trial
$1 (7-day trial)
Monthly Fee
$21.95/mo
- Experian credit report & FICO® Score
- Checking your own credit does not lower your score
- Increase your FICO® Score with Experian Boost®
- 90% of top lenders use FICO® Scores
Bureaus
All 3 bureaus
Trial
7-day trial — $1.00
Monthly Fee
$39.94/mo
- Full credit report from all 3 bureaus
- 3-bureau credit monitoring
- Unlimited access to your credit score
- Email alerts of activity in your name
Bureaus
All 3 bureaus
Trial
See terms
Monthly Fee
See terms
- Credit report & scores from major bureaus
- Credit monitoring
- Profile refreshed monthly
- Checking your own report does not hurt your credit
Bureaus
All 3 bureaus
Trial
$1 (7-day trial)
Monthly Fee
$27.87/mo
- 3-bureau credit reports & scores
- Dark web & internet monitoring
- $1 Million in stolen funds reimbursement (AIG)
- Score analysis and recommendations
- Application monitoring
Bureaus
All 3 bureaus
Trial
No trial period
Monthly Fee
$29.95/mo
- Unlimited TransUnion credit report & score updates
- Lock & unlock your TransUnion & Equifax reports
- Score Simulator — see how choices affect scores
- Up to $1,000,000 ID theft insurance
- Personalized debt analysis & credit score trending
Not sure which service is right for you?
CardCurator rewards intelligence can recommend the best option based on your goals — whether you want a free score, full 3-bureau monitoring, or identity protection. Use the chat widget to ask.