Overview

[If you follow the link above you will receive your Experian $1 Credit Report and FICO^® Scores and you will begin your 7-day trial membership in Experian Credit Tracker^SM. If you don't cancel your membership within the 7-day trial period, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.]

CreditReport.com is owned by Consumerinfo.com, Inc., which is part of Experian: one of the three national credit reporting agencies. Experian offers a wide range of business services but is best known in the United States for its credit and financial services. Experian employs over 17,000 people and had a net income in 2014 of $754 million. Experian was started in 1993 and is a BBB accredit business with an A+ rating. Apart from CreditReport.com, Experian also owns CheckCreditTotal.com, Consumerinfo.com, Credit Score and several other credit reporting websites. Consumerinfo.com, Inc. started operating in 1995.

What Services Does CreditReport.com Offer?

CreditReport.com provides full credit reporting and monitoring services. This includes unlimited access to your Experian report, daily credit monitoring of your Experian, Equifax and TransUnion credit reports, bi-monthly score monitoring and alerts for all three credit reporting agencies, $50,000 identity theft insurance, a score simulator and access to Experian's CreditSafe and ChildSecure programs.

CreditSafe is a credit card recovery service that keeps your credit card information on a registry and will take care of canceling and renewing your credit cards, if they are stolen. ChildSecure is a special identity monitoring service for children that monitors any suspicious records that could indicate someone is using your children's personal information.

CreditReport.com provides users with their FICO Score 8 credit score. This is a popular credit score many lenders use. Around 90 percent of lenders use FICO scores when assessing the credit eligibility of borrowers.

How Does CreditReport.com Work?

The main service offered by CreditReport.com is Experian's Credit Tracker: a monthly subscription service that offers full credit monitoring and reporting services. However, CreditReport.com markets this service by offering three credit reports and FICO scores for just $1, as part of a 7-day trial. Once the 7-day trial expires, users are automatically enrolled into Experian's Credit Tracker, which does not include the credit reports and scores for all three bureaus, just for Experian. Many of the complaints against Experian are from users who didn't realize enrolling in there is an automatic enrollment into Experian's premium service.

As with all credit reporting companies, users must confirm their register an account and confirm their identity before they can access credit scores and reports. This requires users to provide personal information, such as name, date of birth and Social Security Number.

How Much Does It Cost?

The 7-day trial only costs $1, but Experian's Credit Tracker costs $24.95 a month for as long as you are member.

How is CreditReport.com Better/Worse Than Other Credit Reporting Companies?

CreditReport.com provides full access to credit reports and FICO scores from all three of the main credit reporting agencies for just $1. This gives users a complete picture of their credit profile. CreditReport.com is owned by Experian, one of the three national credit reporting agencies and a worldwide credit and risk assessment specialist. Experian has been in business for over 22 years and has an A+ rating with the BBB.

Enrolling in the 7-day trial of Experian Credit Tracker is easy. Cancelling your account before your regular membership kicks in: not so much. Not surprisingly, the website doesn't make it easy to quit within the first seven days. For instance, you can sign up online at any time of the day, but you must call during business hours to eventually contact a customer representative and hopefully cancel your membership. Most of the complaints against CreditReport.com are from users who either didn't know about the automatic enrollment or thought the monthly subscription would include the credit reports and scores for all three credit reporting bureaus.