[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 TrackerSM. 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.

  • Max Monthly Fee
  • No Monthly Fees
  • Fix Credit Report Errors
  • Identity Theft Insurance
  • 3-Bureau Credit Monitoring
  • FICO Score Available
  • Online Credit Education
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0 votes

This experience has gone well. I've been able to access my credit report with all three bureaus, so everything is honestly running smoothly. But I am concerned about what's going to happen if I decide that I don't want the service anymore. I've read reviews that you can't get them to stop charging you.

0 votes

I like being able to check my credit when I feel like it. Many sites let you only check a certain number of times per year. That's just annoying. When you want to see your credit, you want to see your credit. There shouldn't be anything in the way. This site also monitors your credit, which is helpful as well.

0 votes

You do get all three credit scores here, which is good, because some places only give you one. But it's important to keep in mind that this is a service and you will pay for the service. You have seven days to cancel to not get charged their monthly fee of 29.95. Of course it's really hard to cancel the thing. So I would suggest only doing this if you really want the service. They're not set up for you to try it out for a $1 credit score and ... then quit. More Less

0 votes

I wanted to ask a question about my account but I found it nearly impossible to actually talk to someone. I think they thought I was trying to cancel, so they did whatever they could to not talk to me!. Finally, I talked to someone and the person helped me. I'm concerned that when I want to stop their services it will be really hard.

0 votes

I got interested when I looked at this site and it said something about protecting my kids, too. I figured that would be a great idea. Who wants their kids at risk for ID theft! It's been a good experience so far. I like having the peace of mind that someone is monitoring my credit.

0 votes

Quick and easy to get my score and report when I did th 7-day trial, so I decided to stay signed up so that I can check my score whenever. I am not too thrilled how they keep trying to sell me credit cards on the site in terms of showing them to me all of the time.

0 votes

My credit score was too low to qualify for this loan that I wanted. They told me it was because of my credit when I applied and they said no. This made me want to see exactly what is on my credit, so I signed up for creditreport.com. I'm happy about being able to check it now.

0 votes

Okay service if you want to know more about your credit. I'm not too thrilled with the website, which I find just okay. I know I've seen other websites for similar companies that were a lot more put together and had higher functionality. It wil do for what I want it for--checking credit.

0 votes

I really like the credit monitoring that this site provides. You know right away when something has changed on your credit report. This is important, as it allows you to avoid potentially costly or even life altering surprises when it comes to your credit report. You can check things out as soon as you hear about them.

0 votes

Like this place says on their website, it's important to check your credit often. That's why I decided to get a monitoring service each month. I was tired of trying to get free reports. This seemed like a great solution, and it was. I get the reports and monitoring. And then the credit score estimator is awesome.

0 votes

I've been able to get ahold of my credit report and see all three credit bureaus, which I really like. I've had two other services that only gave me one credit bureau report. I kept looking until I found a credit monitoring company that gave me all three. It's working out well.

0 votes

There is another big site that gives you the same perks as this one--three credit bureau reports, etc., but it charges $5 less per month. So you might want to shop around a bit to see if you can find a little better deal if you decide you want to pay for credit monitoring service--which I BTW suggest, as it allows you to see your credit report whenever you want and not on some set schedule, like the free sites.

0 votes

They like you until you want to quit the service, and then of course, they don't like you so much anymore. I had the monitoring for a few months. It was okay and I liked getting my credit report, but then I lost my job and had to make a lot of cuts in my budget nearly overnight. This place fought like hell to keep me signed up, but I just couldn't pay it anymore. I finally got them to cancel me.

0 votes

Doing pretty good with this site. They make it pretty easy to fill everything out so that you can become a member and get your credit report. I've found it really helpful to have the report at my fingertips lately, as I'm now working on buying a house. I know it's not the official FICO score, but having the three credit bureau scores/reports has really helped me strategize regarding my house.

0 votes

Pretty easy to navigate website that functions well. I was able to get my credit report quickly, and I feel like they know what they're doing. I got to this site become I wanted a credit report, so I searched in that manner. That being said, I might have tried another site if it had popped up first. But I'm glad this site popped up.

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