FreeCreditReport Review: Credit Report Services Review

Company Overview

FreeCreditReport is a credit report service that provides you with a free credit score and your full credit report for just $1.00. This company is part of a larger credit entity called ConsumerInfo which has been in operation since 1995. This makes them one of the more experienced credit reporting services available today. Additionally, FreeCreditReport is affiliated with Experian, a major credit bureau, so you can rest assured that your information is accurate. This company has provided over 20 million credit reports, and has over 3 million active members.

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Credit Monitoring Reports and Scores

  Equifax Experian TransUnion
Scores Provided   X  
Reports Provided   X  

 

FreeCreditReport has a number of helpful features that can benefit your credit. First, you will get your Experian credit report for only $1.00 and with that you will get your Experian credit score for free. Your credit report will be delivered within 2 days and it will provide you with explanations so you can understand your credit and learn how to improve it. You will also receive their credit monitoring service when you sign up.

In addition, FreeCreditReport will alert you when your credit score changes so you can monitor any suspicious activity and take the necessary action. Another unique feature provided by this service is the Score Planner. With this tool, you can learn how your credit score is calculated and see how various factors affect your credit score. This is a powerful tool that can ultimately help you improve your credit score as you will know what affects your score positively and negatively.

Identity Theft Protection

The credit monitoring service at FreeCreditReport can help you protect your identity. This service will keep track of changes in your credit report including new credit cards, loans or other important changes. If there are any changes, you will receive an alert and if the changes do not reflect an action taken by you, then you can immediately act to prevent further damage. If you are a victim of identity theft, it is important to find out as soon as possible and with this credit monitoring service you can do precisely that.

Sign Up Process

There is nothing complicated about the sign up process at FreeCreditReport. The registration process can be completed in less than 5 minutes. You will be asked to provide some of your personal and contact information along with your payment information. The accepted payment methods include major credit cards only. New members are eligible for a free trial for credit monitoring.

Pricing Concerns

All new members will receive a free, no obligation 7-day free trial when they sign up with FreeCreditReport. This trial gives you access to credit monitoring as well as your credit score and credit report. You can choose to cancel your free trial at any time and will incur no further charges if you cancel before the trial expires. If you do not cancel before the 7-day free trial is up then you will be charged the monthly membership fee.

Trial Offer 7-Day Free Trial
Monthly Price $14.99

Customer Support

If you have a general or basic question about FreeCreditReport, you can refer to the frequently asked questions section as this will most likely have the answer you are looking for. If you need to speak directly with a customer service representative, you can contact one through telephone or email. Customer support is available every day but not on a 24-hour basis. There are also fraud resolution specialists available if you are a victim of identity theft. These specialists can work with you and the appropriate agencies to restore your credit.

Bottom Line

FreeCreditReport has a wealth of experience in the industry. Since it is associated with Experian, you know that you will be receiving the most accurate, up to date information about your credit. Unfortunately, FreeCreditReport does not give you access to your TransUnion or Equifax credit reports so you will have an incomplete picture of your overall credit. However, the services at this company can make a huge difference to the protection and improvement of your credit score.

Contact Information:

475 Anton Blvd.

Costa, Mesa, CA 92626

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