What is the VERY BEST website to get a free credit report from ALL 3 credit bureaus?

I am always having a hard time with Freecreditreport.com and others that give me either a FICO score and no report, or I get ONLY 1 report and then 2 months of $9.95 fees! Please help..I JUST want my report and FICO score from Equifax/Experian and TRW. Thanks in advance!

Public Comments

1. https://www.annualcreditreport.com/cra/index.jsp Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. You get your report for free once per year from all three major agencies. You have to pay for your FICO though. That's not free.
2. I'd avoid any free offers, the annualcreditreport link is legitimate and will give you the reports, but for scores you're better off just paying the flat fee to get the report and score. Anything "free" always has a catch, ie subscribing to monitoring, etc.
3. I'm afrai free has gone the way of the dod bird. At times I think you even have to pay someone to kick your butt nowadays. Go in person to your Retail Merchants Association and bring some ID. They MIGHT let you have a copy of your credit report.
4. I just used www.truecredit.com. I got a combined 3-in-1 report that shows scores from all agencies and my whole report for $14.95. It's a monthly fee, but you can cancel anytime, even in the first month.
5. I can expect that most of us may or may not know our credit scores. Someone may even haven’t checked his or her credit report! I think check your credit report every month or every several months is a must. You should be always careful about your identity fraud. With the development of advanced technology, the identity fraud seems as a major concern for us. based on my own experience, I list some services that you can use. 1. You have the right to check your credit report once every year from annualcreditreport.com. You can try one credit bureau each time. You don’t have to pull credit report from 3 credit bureaus at the same time. You can check another bureau later. For example, I requested to see my credit report from TransUnion in Feb. Then I can request to see my credit report in Experian in June. Then in November, I can see the credit report from Equifax. Our law gives us the right to check our credit report once every year for free. The credit report you pulled from annualcreditreport.com can be viewed online for one month. They don’t report credit score. (Don’t confuse with freecredtireort.com! They are not free!) 2. Every time when you get rejected for an application for a credit card or checking/saving account, you have to right to request a credit report from the credit bureau. Which credit bureau you can request depends on which credit bureau they pull when you file the application. It’s free. Again they don’t provide credit score. 3. The private credit service from each credit bureau. For example, TransUnion provides the service named truecredit. Right now they offer unlimited credit score and credit report from transunion for only $9.95/mon. The first month is free. Experian and Equifax also provide similar service. IF you’d like, they also provide 3-in-1 credit report and credit score. As long as you pay them money, you can get all 3 credit reports and credit scores from them. 4. MyFico.com offers the true credit score for you. The above mentioned services give you FAKO credit score. Altough they use similar scoring system as MyFico, MyFico is the only place you can get your true credit score. Again MyFico will also provide credit report for you. But you have to pay it. 5 . National City Identity Protect. I use this service since this July. I can pull my credit report from 3 bureaus daily and it also provide the credit score from Transunion. The price is $8.95/mon. The first month is $1. 6. CreditSecure from American Express. This service provides 3-in-1 credit report. You can get FAKO from 3 credit bureaus. The price is $11.99/mon. If you call then up, you will get $99.95 per year. The system is much more beautiful than Truecredit. You need have an American Express card to sign in. The first month is free. 7. Citi Identity Monitor. I haven’ t used this service before. You can get 3-in-1 credit report and creedit score for just $12.95/mon. The first month is free. (766318 to enroll yourself) 8. Chase Identity Protection. It seems it’s similar service like Citi. 9. Costco Identity Guard. They provide 3-in-1 credit report and credit score. The drawback compared to other service is you can only update your credit report and credit score monthly. The price for Executive Members is $7.49/mon. And $9.49/mon for Gold Star & Business Members. 10. Walmart TrueCredit Service. I believe this service is actually provided by TrueCredit. But you pay through Walmart. They increase the rate recently. 11. Privacy Guard. You can try their service for just $1 for the first 2 months. And then you have to pay $129.99 per year. You can get 3-in-1 credit report and credit score. 12. Privacy Matters. Believe me, don’t use their service. The price for the first 7 days is $1 and then you have to pay $29.95/mon. You have better choices. I believe you can find more credit services to get yourself know your credit score and credit report. The above mentioned are the most popular services we use today. And we are not willing to provide our personal information to those private owned services. Get started to see your credit report and score! You will have better chance to get a credit card or checking/saving account.