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FreeCreditReport.com Credit Reporting Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
6 Customer Comments & Reviews - see all comments
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FreeCreditReport.com is a credit reporting site wholly-owned by ConsumerInfo.com, Inc., an Experian company founded in 1995. The site, which provides consumers with free credit-related products such as credit scores, reports, and monitoring, currently services over 3.1 million members and has issued over 20 million online credit reports since its inception.
 
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How is FreeCreditReport.com rated?

Breakdown

5.0/5
Plans and Pricing
4.0/5
Report Details and Frequency
4.5/5
Credit Bureau & Credit Scores
4.5/5
Monitoring and Extra Features

Overall Rating: 4.6 / 5 (Excellent)

FreeCreditReport by Experian offers reliable credit reporting services from a trusted financial partner. In 2005 the website was updated to include a disclaimer about their Triple Advantage Credit Monitoring program due to legal issues stemming from an inadequate disclosure of terms and conditions for the plan. The company has since changed its approach and now discloses there will be a fee associated with their monitoring services after the free 7-day trial period. Despite their minor shortcomings, FreeCreditReport.com remains a convenient and easy to use resource offering all the tools consumers may require to keep track of their credit and improve their score. Although obtaining your credit report and score from FreeCreditReport.com comes at a price, the service remains among the most affordable in the market and offers excellent benefits most consumers will likely find enticing.

Credit Score & Reports

Report Details and Frequency - 4 / 5

As an Experian company, FreeCreditReport.com offers free FICO scores and an official Experian credit report that is updated monthly. The company also provides customers with valuable credit-related resources and tips, including details about the positive and negative factors affecting their credit.

Credit Bureaus Covered

Equifax
Experian
TransUnion
Credit Report Frequency
Monthly
Access to Credit Scores
Yes
Access to Credit Reports
Yes

Monitoring & Tools

Credit Bureau & Credit Scores - 4.5 / 5

FreeCreditReport.com's credit monitoring services with identity theft alerts, data assets, and analytic tools, can help customers manage their credit and obtain the most relevant credit offers for their particular situation. Experian's free mobile application provides the same features, including credit change alerts, simple credit summaries, and toll-free support seven days a week.

A new feature to FreeCreditReport is Experian Boost. This free utility can help customers increase their credit scores using only their positive payment history. Experian Boost works by leveraging utility bills customers are already paying and takes effect immediately.
Credit Tools
Credit Change Alerts
Security & Protection
Identity Theft Monitoring

FreeCreditReport.com Plans & Pricing

Plans and Pricing - 5 / 5

Experian has changed its modus operandi and no longer requires clients to enter their credit card information to obtain their free credit report and score. However, the company will ask customers to provide credit card details for the free 7-day credit monitoring trail. Said membership might be changed without charge at any time within nine days from the date on which the order was placed, but if the membership is not canceled within that timeframe the company will automatically charge the client and the monthly/annual fee will be billed to the credit card provided at the time of enrollment.
30-day Trial Available?
No
Free Report Offered?
Yes

FreeCreditReport.com Reputation & Support

Monitoring and Extra Features - 4.5 / 5

Neither FreeCreditReport.com nor ConsumerInfo.com have ratings with the Better Business Bureau or Trustpilot.com, and there are few online customer reviews for either site from unaffiliated sources. Experian Consumer Services itself does have an A- rating with the BBB based on mostly negative reviews from customers dissatisfied with the company's products and services. Negative feedback aside, Experian does provide a mobile phone application that allows customers to quickly and conveniently monitor their credit information and receive both push notifications and emails with important alerts.
Mobile App
Yes
Alert Methods
Email
Mobile App

Customer Feedback

BBB Rating
NR
Date Collected
2019-03-01

Contact & Additional Company Information

Year Founded
1995
Homepage URL
https://www.freecreditreport.com/
Company Phone
(866) 617-1894
Mailing Address
PO Box 2390, Allen, TX, 75013

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6 Customer Comments & Reviews

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J
Jeff M
8/26/2021
Went to the site and filled in the requested info , but no credit card info. Nothing mentioned about a charge for the "free" service. Saw the reports on the site online later and checked my credit card. Yep , was charged $26.95 within seconds. Cancelled the account immediately!!

Junior H
11/22/2018
not free just another scam to get money ,and larry king is a lier

J
Jason P
8/3/2018
Hello, what is the fee after the 7 day Free trial period has ended? Also, maybe want to change your name from "Free" to "Affordable" Credit Report since it is not really free.... Just sayin...

Michael A
10/14/2017
Lies, don't trust this. It tells you it will give you a free report, then asks for $$.. Nothing Free about this.

E
Elva E
7/11/2017
This is false advertising - took all information on myself s coupe things to dispute - did not give me a fico score. What is the point = to get fico score - - - not free. On my husband's i missed one q - about why checking credit (guessing why) they cancelled - for 24 hours, before can try again. We were forced to go bk about one year ago & not mentioned! Both waste of my time & very irritating!

R
Rick
11/5/2016
This is not free. They do not give you the credit score. they charge $4.99 at the end.

Our Partner
  • Our #1 Rated Pick
  • Experian credit report is completely FREE
  • TRULY: No credit card required
  • Checking your own report doesn’t hurt your credit
  • Report refreshed every 30 days on sign up
  • Experian Boost uses positive payment history to increase score fast
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