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Compare FreeCreditReport.com vs. Identity Guard Credit Reporting

What’s the difference between FreeCreditReport.com Credit Reporting and Identity Guard® Credit Reporting? See how our editors compare the two companies below.
Last Updated: April 19, 2024
FreeCreditReport.com
4.6 / 5 - Excellent
#5 in Credit Reporting
Identity Guard
4.5 / 5 - Excellent
#1 in Credit Reporting
vs

Key Facts

  • 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
  • 3 Credit reports & $1M Identity Theft insurance**
  • Helped protect more than 47 million identities
  • Monthly Credit Score* updates
  • A+ BBB rating
  • What matters most is how a company helps you when your identity is stolen

OVERALL RATINGS

 FreeCreditReport.comIdentity Guard
Plans and Pricing5.0/53.5/5
Report Details and Frequency4.0/54.5/5
Credit Bureau & Credit Scores4.5/55.0/5
Monitoring and Extra Features4.5/55.0/5

How do their reports differ?

Credit Bureaus Covered

 FreeCreditReport.comIdentity Guard
Equifax
Experian
TransUnion
 FreeCreditReport.comIdentity Guard
Credit Report Frequency
Monthly
Monthly
Access to Credit Scores
Yes
Access to Credit Reports
Yes
Yes

Monitoring & Tools Compared

 FreeCreditReport.comIdentity Guard
Credit Tools
Credit Change Alerts
Credit Change Alerts
Social Media Insights
Security & Protection
Identity Theft Monitoring
Identity Theft Monitoring
Identity Theft Insurance
Identity Restoration Support
Lost Wallet Protection

Comparison of Plans & Pricing

 FreeCreditReport.comIdentity Guard
30-day Trial Available?
No
No
Free Report Offered?
Yes
No

Reputation & Support

 FreeCreditReport.comIdentity Guard
Mobile App
Yes
Yes
Alert Methods
Email
Mobile App
Text
Email
Mobile App

Customer Feedback

 FreeCreditReport.comIdentity Guard
BBB Rating
NR
A+
Date Collected
2019-03-01

Contact & Additional Information

 FreeCreditReport.comIdentity Guard
Year Founded
1995
1995
Homepage URL
Company Phone
(866) 617-1894
(877) 505-7054
Mailing Address
PO Box 2390, Allen, TX, 75013
15 Network Drive, 3rd Floor, Burlington, MA, 01803

Final Verdict

FreeCreditReport.com Credit Reporting has a higher overall rating than Identity Guard® Credit Reporting. FreeCreditReport.com scores better than Identity Guard across: Plans and Pricing. However, Identity Guard scores better on Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features.


Customer Comments & Reviews

J
Jason P
8/3/2018
FreeCreditReport.com Credit Reporting review
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...