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CreditReport.com Review

CreditReport.com is owned by Experian and offers cheap credit reports and credit scores. The website also offers a credit monitoring service that protects your identity for an additional subscription cost.


  • Features
  • Pricing Packages
  • The Good
  • The Bad


Credit Reporting

Equifax: Users will receive a credit report from Equifax.
Experian: Users will receive a credit report from Experian.
Transunion: Users will receive a credit report from Transunion.
Credit Report Price: $1 for three credit reports.
Experian PLUS Score: Users receive their Experian PLUS Credit Score.
No FICO: Users cannot view their FICO credit score.
No Free Credit Reports: Credit reports cost $1 and there is no free credit report available.

Credit Monitoring

Automatic Subscription: Users are automatically subscribed to the $25/month credit monitoring service after viewing their reports.
Identify Theft Protection: Credit Report protects your identity by notifying you of major credit changes.
Email Alerts: Receive email alerts for all significant credit score changes.
Online Access: View credit changes and notifications via your CreditReport.com online account.

Other Features

No Credit Repair Tools: CreditReport.com does not offer credit remediation tools.
Tech Support: Tech support is available over email and toll-free phone number.
Online Knowledge Base: CreditReport.com features an online knowledge based filled with credit-related information.
No Mobile Apps: There are no CreditReport.com mobile apps, although the website is accessible on mobile devices like smartphones and tablets.
Credit Reports
$1 for 3 Reports
Automatic Subscription to
Credit Monitoring
Experian Credit Score
Equifax Credit Score
TransUnion Credit Score
7 Day Free Trial
Credit Monitoring
$24.95 Per Month
New inquiries on your credit report
New accounts opened in your name
Other suspicious activity
Late payment information
Improvements in your credit file

The Good

Superb Credit Monitoring

The service is called “Credit Report”, but Credit Report actually specializes in credit monitoring. CreditReport.com will monitor your credit report for any changes involving your information. This is useful if you suspect that your personal information has been stolen. It’s also useful if you like having an extra layer of security over your financial data. Credit Report’s credit monitoring will instantly notify you when it detects significant credit changes, including new account openings, late payments, new credit inquiries, and more. All of these notifications are sent to your online account, although most users will want to setup email notifications that are automatically sent to your inbox whenever changes occur. Ultimately, Credit Report does a good job of notifying subscribers when credit changes occur.

Receive All Three Credit Reports for $1

When you visit CreditReport.com, you’ll notice prominent advertisements for “$1 Credit Reports.” That’s true: Credit Report lets you view all three credit reports for $1. Since many other sites charge $20 to $40 for tri-bureau credit reporting, this is a good deal. However, there’s a big catch: when you sign up to receive your three credit reports, you will automatically be subscribed to the CreditReport.com credit monitoring service – which costs $25 per month. Your account will be charged once your free trial period is over. If you cancel your account after viewing your credit scores, you will never be charged. If you’re not interested in the CreditReport.com credit monitoring service, then you’ll want to unsubscribe soon after you’ve viewed your reports.

Educational Resources to Learn More About Credit Reporting

If you’re not a credit reporting expert, then you’ll appreciate the educational resources offered by CreditReport.com. Users will find articles, tutorials, and a wide range of online resources that help them understand the credit reporting process. Why are there three credit reporting bureaus? How is my credit score calculated? Why do some factors matter more than others when calculating my FICO score? You’ll find answers to all of these questions and more at CreditReport.com.

Credit Score Estimator

Credit Report does not let users view their specific FICO credit score. They can, however, view their Experian PLUS Score, which is an approximation of their FICO credit score. In addition, the website features score estimator tools which let you estimate how different financial decisions will affect your credit score. Inquiring about your credit, for example, will affect your score a little bit, but opening a new credit account will affect your score a lot more. The Estimator clearly presents this information in a way that’s easy for anyone to understand.

Detailed Reporting

Your CreditReport.com reports come with detailed information about your credit. That information includes account balances remaining on existing loans and credit accounts as well as the number of credit inquiries companies have made regarding your credit history. Additionally, users can view public records reports, new account requests, and hard and soft credit history inquiries. All of this information is essential to a complete credit report.

Email Alerts

Some credit reporting agencies force you to log into your account periodically to check your credit information. CreditReport.com adopts a different approach: users receive email notifications whenever their credit score is changed. You don’t have to remember to log into CreditReport.com periodically. Instead, you can relax knowing that all relevant information will be sent to your email inbox.

“Free Trial” Period

Credit Report offers a 7 day free trial. Some customers use this free trial period to receive a free credit report before closing their account. It’s not officially advertised by Credit Report but new signups can use it however they like. To do that, simply sign up for the credit monitoring trial, view all your credit reports, and then cancel your account before Credit Report charges your account. If you don’t cancel your account, then Credit Report will begin charging you for their monthly credit reporting service after the 7 day period is over.

Additional Credit Tools

CreditReport.com includes some useful additional credit-related tools. Those tools include a credit score estimator which simulates how future financial decisions could affect your credit score. There’s also a total credit limit tool which provides a summary of your total credit limit. Users can also view their debt profile – including the amount remaining on all current loans and credit accounts. CreditReport.com may not be as feature-rich as other credit report providers, but it still provides a handful of helpful tools that help users make sense of their credit score.

The Bad

Must Sign Up for Credit Monitoring to Receive Credit Report

If you just want to view your credit report, then Credit Report may not be your best option. Credit Report only provides credit reports to monthly subscribers. There’s no way to receive a one-time credit report without subscribing to the costly $25 per month protection. That being said, you can cancel your plan before the seven day trial period is over. This will let you receive three free credit reports for just $1. If you forget to cancel your plan before the seven day period is over, however, then your account will be charged $24.95 per month until you cancel.

Costly Credit Monitoring

Credit monitoring services range widely in price. Some services only monitor your credit, while others offer credit monitoring as part of a larger identify theft protection package. With Credit Report, subscribers only receive credit monitoring. Furthermore, that protection costs $25 per month, which is more expensive than virtually all of Credit Report’s competitors. If you’re simply looking for credit monitoring protection, you can find it for $10 to $20 per month from many of Credit Report’s competitors. If price is a major concern for you, then Credit Report may not be the best option.

No FICO Score

When people talk about their “credit score”, they’re typically referring to their FICO score. The FICO score is what lenders see when they assess a borrower’s worthiness. Credit Report does not provide your FICO credit score. Instead, it provides an alternative metric called your Experian PLUS Score. The PLUS Score is a rough approximation of your FICO credit score. It’s similar to the score seen by lenders and creditors, but it won’t be the exact same score. If you’re searching for a credit reporting agency that offers FICO credit scores, then Credit Report is not it.

The Verdict

CreditReport.com is a credit monitoring service first and a credit reporting service second. It legitimately offers tri-bureau credit reporting for $1. However, after signing up for the $1 credit reports, users are automatically subscribed to the $24.95 per month credit monitoring plan.

If you subscribe to that credit monitoring plan, then you’ll experience excellent protection. CreditReport.com notifies you by email whenever significant changes are made to your credit account. If someone makes a credit inquiry, opens a new account, or accesses your credit in any significant way, then you will be notified.

Of course, if you are just looking for a simple credit reporting service, then you’ll want to cancel your CreditReport.com account immediately after you view your credit reports. If you don’t cancel, your account will begin to be charged $24.95 per month for credit monitoring.

Ultimately, CreditReport.com lets you access tri-bureau credit reports for $1 – as long as you unsubscribe within seven days of activating your account. If you’re interested in credit monitoring, then CreditReport.com also offers excellent credit monitoring services. If you understand the subscription model and don’t mind the relatively high price tag, you’ll be satisfied with CreditReport.com

About Johnson Hur

After having graduated with a degree in Finance and working for a Fortune 500 company for several years, Johnson decided to follow his passion by embarking on a path to the digital world. He has over 8 years of experience with large companies setting marketing strategy.

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