Maintaining a high credit score has become more important than ever. From getting the best rates on mortgages, car loans, and credit cards, to qualifying for the best car insurance rates, your credit score has a big impact on your finances. Two of the more popular websites that give you access to your credit history and score are and While there are plenty of other credit reporting websites out there, CreditReport and FreeCreditScore are two of the most well known and well advertised options, and I’m interested in which one stands out over the other.

First, lets talk about, the most annoying and at the same time brilliantly advertised credit reporting site in the market today. Owned and operated by a subsidiary of Experian, has been the focus of a number of consumer investigations as many said purports themselves as offering free credit reports, when in fact they do not. The Credit Card Act of 2009 has actually now forced FCR to add the statement “This is not the free credit report provided for by Federal law” to all of its commercials. So what do you get when you sign up with these guys?

Once you provide the standard credit report information (Name, address, SS#, etc.) you are asked to sign-up for their 7-day free-trial, which automatically enrolls you into Triple Advantage, Experian’s credit monitoring service. If you fail to cancel your membership within the 7 day free-trial period, you are billed $21.95 per month. After giving up your credit card information, you are charged a total of $0.00 and if you think you are outsmarting by entering a credit card with no available balance, think again. Even though there is no initial charge, if your card has no credit available, it will be rejected.

After confirming your identity, you’re in! Immediately, up-sells hit you from the left, and then from the right so make sure you pay attention to the clicks of the mouse you make, as one wrong click can charge your credit card up to $25.00 for one of their services. After dodging a few bullets, you finally make your way to the credit report section, where you are given your Experian credit score and report and ONLY your Experian credit score and report. #1As you can see, your homepage shows you what your current credit score is, the last inquiry placed in your credit report and just below that, you are given a nice pie graph on what your current credit to debt ratio is on all revolving accounts. Man, would I not want to be this guy! (It’s not so bad actually).

When you navigate through the rest of the interface, you can view your actual Experian credit report, detailing all of your current and closed accounts as well as all of the inquiries that have hit your report in the last two years. There are a few cool graphs and features and has an overall user friendly interface. 110x70 Logo -

After looking through what had to offer, I’m eager to take a look at’s available services. Once again, this offer costs $1 and includes your report and score from Experian, another one of the three main credit bureaus. This offer allows you to get your Credit Scores + 7-day Trial of 3-Bureau Credit Monitoring for $1 with enrollment in

After you have successfully entered your personal information you are asked to fill out your credit card information. Again, make sure that there is at least $1 available because even though will not charge anything to your account, you must have an available balance to move to the next step. Once my credit card is confirmed I am asked four questions about my identity. Finally, after answering all questions, I land on the homepage of my credit score and report. #1Unlike, the interface and graphics available are a little dumbed down. (The above graphic is not my score this time!) You only have two available tabs to choose from, your credit score and credit report and there really aren’t any graphs, tables or other useful information to help you understand what is going on in your account. You are given a detailed look at every credit account you have, but definitely lacks the flash and dash that has.

The cancellation process for both merchants is a little painful, as the time you spend on the phone declining their special “one-time” offers could be better used, but after 10 minutes, I was able to cancel both services. All-in-all if you are looking for a quick view of how your credit is holding up, they are both viable options. I would recommend a little ahead of as it has more tools and options for the user. Unfortunately for both, they only provide a credit report and score from one bureau, but if you use them in conjunction, it will definitely give you a broader picture.

Published or Updated: July 24, 2015


  1. Big Spender says:

    If you don’t want to shell out cash for monthly monitoring there are a couple other services that offer free credit reports and credit scores in exchange for receiving marketing offers. and Quizzle are two of them.

  2. Ann-Marie says:

    Why work so hard for a free credit report and score when you can get them without the hassle? At, you can get both a free credit report and a free credit score, no strings attached, no credit card needed. And the marketing offers you receive are just extra tools and services inside the website that you can opt to take advantage of or not. It’s super easy and far less frustrating than sites that make you call to cancel a service you didn’t want in the first place.

    • Blossom says:

      But that’s not really true is it Ann-Marie? The entire time you’re on the site you are constantly taken here and there to purchase credit repair, purchase your credit score, purchase your credit report. I was thoroughly disgusted with the sales pop ups. I also discovered that my credit score as shown on the site was 106 points BELOW what the actual score is. If you want truly FREE go to or Quizzle was just plain annoying and irritating and certainly not free by any means.

      • Wladynilso says:

        Individuals cannot rorpet to the credit bureaus. They are run by their subscribers, your creditors. Not all creditors are members of credit bureaus. If your creditor subscribes, then he automatically updates your account on a regular basis.

  3. Edwin says:

    I’m rather disappointed you didn’t mention annual credit repor. It’s free (actually free, not a scam to make you spend money on accident) and was set up to fulfill federal law. I use it for all my credit reporting needs (limited to once per year).I’ve also used creditkarma and like it far better than the “free” credit score scammers.

    • DR says:

      Edwin, we have written about annual credit report before, and it certainly is the place to go if you just want your credit report. But you can’t get your credit score there. Credit Karma is another option, and I’ll add it to our list of sites to review. Thanks!

      • Edwin says:

        I just thought a mention of it at the end would be a good idea so people have the option, possibly even a link to your article on annual credit report.

  4. Jim says:

    Credit Karma gives you your FACO score and NOT the FICO score — why get a score that no lender uses??

    Folks — you know the saying that you get what you pay for??

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