Credit Score
Last updated: Dec 2021
From the interest rate on your mortgage to how much you pay for car insurance, your credit score has a large impact - make sure you know yours!
1 Most popular pick

Experian

  • 7-day trial for $1
  • Credit score calculated based on FICO® Score 8 model
  • Subscription price per month: $24.99
  • Minimum age: 18 years
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2

IdentityIQ Identity Essentials

  • 7 Day Trial for 1$
  • 3 Bureau Credit Reports & Scores (refreshed every 60 days)
  • Subscription price per month: $34.99
  • Minimum age: 18 years
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3

Credit Saint

  • Challenges to the 3 Credit Bureaus
  • Score Analysis
  • Subscription price per month: $79.99
  • Minimum age: 18 years
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4

CreditRepair

  • Credit repair
  • FREE credit score
  • Subscription price per month: $99.95
  • Minimum age: 18 years
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5

Credit Assistance Network

  • One-on-One consultations with a Certified FICO© Professional
  • Unlimited Disputes
  • Subscription price per month: $179.00
  • Minimum age: 18 years
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6

Credit Karma

  • Free credit score
  • Easy-to-use financial tools and guidance
  • Subscription price per month: $0.00
  • Minimum age: 18 years
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7

Rocket Credit Scores

  • 7-DAY $1 access
  • $1 Million Identity Theft Insurance
  • Subscription price per month: $34.99
  • Minimum age: 18 years
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8

Credit Score IQ

  • Instant Access to All 3 Credit Scores
  • Customized Report Analysis
  • Subscription price per month: $34.99
  • Minimum age: 18 years
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9

myScoreIQ

  • Special offer: 7 days for $1
  • 3-Bureau Fico scores & reports
  • Subscription price per month: $34.99
  • Minimum age: 18 years
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10

Experian BoostTM

  • Experian Credit Report and FICO® Score updated every 30 days on sign in
  • Instantly increase your credit scores with Experian BoostTM
  • Subscription price per month: $0.00
  • Minimum age: 18 years
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Useful information on consumer protection, financial products, and debt

  • www.consumerfinance.gov
    The website of the Consumer Financial Protection Bureau contains information about financial products and educational articles about personal finance making it an excellent resource for potential borrowers.
  • www.consumer.ftc.gov
    The Federal Trade Commission’s Consumer Protection website provides a section with information on dealing with debt problems, debt counseling, debt collection, and other topics related to debt. You can also find helpful information and tips about financial planning.
  • www.ftc.gov
    The FTC’s website also has a section where you can find information on consumer rights and protections, legislation that deals with consumer protection, in addition to providing the ability to file a complaint, if necessary.
  • www.nclc.org
    The National Consumer Law Center is a nonprofit organization that advocates for consumer rights and protections. Its website provides valuable information about consumer protection legislation across multiple industries including lending and credit.

Why should you check your credit report?

Your credit score is a measure of your financial health, it tells how well you are doing, and whether you need to take any action to improve it. It is extremely important to know what is on your credit report both to know what you can do to improve it and in case anything is incorrect. We strongly advise being aware of your financial situation before making any financial decisions.

What is a Credit Report?

Your credit report shows a detailed history of your financial activities. This includes open credit cards, loans, and any late payments for things like utilities or your phone bill. There are three major credit reporting agencies. Many third-party companies provide copies of your credit report from all three agencies, but you need to know which one you should trust with your personal information. Under the Credit Score section of our website, you can find our partner credit report providers that have a great reputation.

What is a credit score?

Your credit score is a number that shows how well you are managing your finances. The higher the number, the better. Your credit score affects your ability to open a credit card, get a loan, and even your car insurance rates. The lower your score, the more difficult it will be to get credit and the higher the interest rates you are charged will be.