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FreeCreditReport.com

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3 User Reviews

FreeCreditReport.com is owned and operated by Experian, one of the three major credit bureaus. As the name indicates, the company provides users with access to their Experian credit report at no cost. This bare-bones credit report, which is updated monthly, may be sufficient for some users. However, others would prefer a more comprehensive look at their credit.

Keep reading to learn more about the company's credit monitoring service and to see FreeCreditReport.com reviews.

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The Good

  • Owned by Experian
  • Free services
  • FICO scoring model
  • Security
  • Helpful Online Resource

Owned by Experian

FreeCreditReport.com is owned and operated by Experian, which is one of the three major credit reporting agencies and is a massive publicly-traded company.

In general, Experian is a fairly reputable company. FreeCreditReport.com's website leads customers to Experian, also a known credit card issuer, where customers are able to apply for credit cards, auto loans, personal loans, and debt consolidation loans. 

Free Services

FreeCreditReport.com really does provide customers with a copy of their Experian credit report at no cost. The company does not even require users to input a credit card to make a free credit report request like other companies in the industry. 

FICO Scoring Model

FreeCreditReport.com uses the FICO credit scoring model, which is the same model used by the vast majority of lenders. Customers can be confident that the FICO score they receive is the same one being looked at by potential creditors..

Security

One of the benefits of being backed by a large company is that it provides comprehensive security and shielding of client information. The company clearly states what personal information it may use in its online terms and conditions section.

Because FreeCreditReport.com is certified by both McAfee and Entrust, users can rest assured that their credit accounts, social security number, and credit information are well-protected.

Helpful Online Resource

In addition to credit monitoring services, FreeCreditReport.com provides an online blog that helps customers learn about overall credit management including credit agencies, credit history, payment history, credit inquiries, tax liens, theft, how to make a credit report request, how to check a score, and more. 

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The Bad

  • Single-bureau reporting
  • Undisclosed identity theft protection
  • No mobile app
  • Monthly refresh rate

Single-Bureau Reporting

Unfortunately, FreeCreditReport.com only provides credit reports from Experian, therefore leaving out the two other major bureaus (Equifax and TransUnion).

This lack of Equifax and TransUnion credit reports leaves a gap in coverage and may not provide customers with a completely accurate view of their comprehensive credit score.

Undisclosed Identity Theft Protection

It is unclear whether or not FreeCreditReport.com offers any identity theft protection features to shield its customers from fraud. Meanwhile, many credit monitoring services do offer some sort of identity protection or monitoring. 

No Mobile App

Unlike other companies in the credit monitoring industry, FreeCreditReport.com does not seem to provide a mobile app to allow its customers to view their credit information on the go using a smartphone or tablet.

Monthly Refresh Rate

FreeCreditReport.com only refreshes credit reports once per month. A lot can happen to an individual's credit in a month, so it's frustrating that customers will not be able to view an up-to-date version of their report at any time.

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The Bottom Line

FreeCreditReport.com is owned by Experian, one of the three major credit bureaus, and offers free Experian credit reports, FICO scores (the credit scoring system that is commonly used by lenders), and security features. FreeCreditReport.com customers do not have to pay for credit monitoring services which help customers avoid a major financial burden/financial commitment. 

Unfortunately, the company does not provide Equifax or TransUnion credit reports. In fact, the company only works with Experian, one of the three credit reporting bureaus. It is also unclear whether or not FreeCreditReport.com offers identity theft or data breach protection services. Additionally, FreeCreditReport.com only refreshes credit reports on a monthly basis.

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Star Rating

4.4

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3 Reviews

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Rick Pomona, CA

I think freecreditreport.com provides an excellent service for no cost. The service provides you with a monthly Experian credit report and score. As a free service it will not provide you with all the bells and whistles. However, by using freecreditreprt.com and Credit Karma, I am able to monitor my reports and scores from all three bureaus for free.

3 years ago

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Jeff Martin Layton, UT

Great website to check your credit for free. I was able to do it easily with no issues and I continue to use it as a resource.

3 years ago

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edward reese Hyattsville, MD

the site and process is pretty difficult and even thought its "free" they try to trick you into paying for something if you're not careful.

2 years ago

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