Credit Karma
Credit Karma takes first place on the list of the best free credit reports. Credit Karma has been in business since 2007 and has partnered with two major credit bureaus, Equifax and TransUnion, to provide you with your free credit report. It's the best alternative to AnnualCreditReport.com because you can access two of your major credit reports. While you must create an account in order to use Credit Karma, you do not need to enter your credit card information or remember to cancel any free trial subscriptions. You can access your credit reports at any time by logging into your account via your web browser or their mobile app.
Your credit report information is updated to reflect changes in your credit history and activity, providing you with ongoing access to credit information changes. However, changes may take a few days to be reflected in what Credit Karma displays. You will have access to your credit report information as well as an explanation of the factors that are currently influencing your credit score. Credit Karma also uses your free credit report information to show you credit card and loan offers based on your credit score. You are not required to take advantage of these offers if you are not looking for a new credit card or loan product.
Pros
- Accessible anytime
- Updated to reflect changes in your credit
Cons
- Only offers reports from two credit bureaus
- Account required
Google rating: 4.8/5.0
Website: creditkarma.com
