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free credit report.com Review

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PROS / The smartphone apps for this credit-monitoring service make it convenient to use on the go.

CONS / The credit-monitoring service only provides your Experian reports and scores unless you opt to pay an additional cost.

 VERDICT / freecreditreport.com makes it easy to access your information from anywhere, though some of the services must be purchased in addition to your monthly subscription fee.

freecreditreport.com is part of the consumer side of Experian, along with CreditReport.com and CreditScore.com. When you subscribe to freecreditreport.com, you can obtain your Experian credit report and your PLUS score. While this credit score probably will not be the one your lender will use, you can still gauge generally your overall creditworthiness and credit rating.

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After that, you can see your Experian credit report on a daily basis. Unfortunately, this credit score service requires you to pay extra if you want your TransUnion and Equifax information in addition to the Experian information.

  1. The amount of loss the company can potentially cover in an identity theft situation.
    More is Better
  2. 9 free credit report.com
    $50000
  3. $1000000
  4. $1000000
  5. $1000000
  6. Category Average
    $420000.00

When you obtain your credit report, it is wise to gather information from all three credit bureaus, as your creditors are not required to file information with every bureau and the bureaus do not compare notes with each other.

Many people are content to simply get a free annual credit report, but that doesn't include a credit score nor does it help if mistakes have been connected to your name and credit history throughout the rest of the year. It is generally safer to have some kind of ongoing credit check to protect your hard-earned credit rating because the sooner you find any errors, the sooner you can correct them.

If you want to keep a close eye on your credit report for a period, a credit-monitoring service can be useful. Through this service, you can receive mobile phone alerts if someone tries to get credit in your name, tampers with your checking account number, asks for a tax refund advance that is yours or makes any changes to your contact information. However, you get alerts only for changes reported to Experian.

In addition to receiving mobile phone alerts, you can download a smartphone app for freecreditreport.com. This credit-monitoring service has apps for both iPhone and Android smartphones. This highly convenient addition to the service is not available from many credit-monitoring services.

freecreditreport.com has some additional services. For instance, you can obtain as much as $50,000 of identity-theft insurance coverage through this credit report service, provided you are not from New York, where this service is not available. You can receive one-on-one fraud support. For an additional fee, freecreditreport.com offers Card Safe service, which protects your credit card accounts if your wallet goes missing.

Summary

Although you can receive report information from all three reporting agencies through freecreditreport.com, there is an additional fee to receive the TransUnion and Equifax reports. By default, this credit monitoring service only reports on Experian information. Even though those aspects make it less convenient, freecreditreport.com does have smartphone apps for Apple and Android phones so that you can access your information no matter where you are.

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