 TITLE:  and Quizzle)\nWith the new Bankrate, your credit is run as you search for products.  They base your loan prequalification’s on:\n*   TransUnion credit report\n*   VantageScore 3.0 based on TransUnion credit report (**not** a FICO Score)\n*   Updated every 3 months\n**WalletHub**\n*   TransUnion credit report\n*   VantageScore 3.0 based on TransUnion credit report (**not** a FICO Score)\n*   Updated daily\nThere’s not a lot the credit bureaus offer for free, so it’s worth taking advantage of this free offer from Experian.\n[**Experian CreditWorks Basic**](about:blank)\n*   See your Experian credit report and FICO score every 30 days\nThis makes a good supplement to Credit.com. Credit.com updates your Experian credit information every two weeks, but it’s only a Credit Report Card. Experian CreditWorks Basic shows your actual credit report.\n**NOTE:** If you’re only going to subscribe to one of these sites, make it Credit Karma, as they show you credit reports from both TransUnion and Equifax. But it’s worth signing up for Credit.com, too. Even though the free option only includes a “Credit Report Card,” you at least get insight into your third credit report (and score) – from Experian.\n2) Credit Scores and Credit Monitoring For a Monthly Fee\n--------------------------------------------------------\nAll of the following sites offer free services (listed above), but if you want to see your full credit reports and scores, it’s going to cost you.\n**Credit.com** **— $24.99\/month\\***\n*   All 3 bureaus reports\n*   28 different FICO Scores\n*   [Credit Monitoring](about:blank) with all the perks\n[**Credit Sesame**](about:blank) **— $9.95 to $19.95\/month**\n*   One-time TransUnion credit report — $9.95 (flat fee)\n*   Monthly credit reports from all three bureaus — $19.95 (recurring monthly) plus credit monitoring\n**NOTE:** We do not recommend any of these paid services. You can see your full Experian credit report for free through Experian CreditWorks Basic. You can see your full TransUnion credit report for free every 7 days through Credit Karma (as well as Equifax). WalletHub updates TransUnion credit reports daily. And as for your FICO Score, you can see that for free through Discover Credit Scorecard.\n3) Credit Bureau Offers Where You Can Get Your Credit Scores\n------------------------------------------------------------\nThis next section might feel a bit overwhelming. If so, it might be worth skipping to our note at the end explaining why we don’t recommend any of these paid credit bureau services anyway.\n**Experian**\n**It bears repeating that there is a free option:**  [You can see your FICO 8 credit score and Experian credit report for free](about:blank)**.  Just give some personal identification and boom, access to your report and your score.  However, if you want to see all three credit report plus get credit monitoring, there is a paid option.**\n[**Experian CreditWorks Premium**](about:blank) **— $24.99\/month\\***\n*   Monthly 3-Bureau FICO® Scores\\*\n*   3-Bureau Credit Monitoring and Alerts\n*   Daily FICO® Scores Based on Experian Data\n*   Experian CreditLock with Alerts\n*   FICO® Score Tracker\n*   Identity Protection and Alerts\n*   Up to $1 Million [Identity Theft Insurance](about:blank#\/insuranceSummaryOfBenefits?insuranceAmount=1,000,000&productName=Experian%20CreditWorks%3Csup%3E%26%238480%3B%3C%2Fsup%3E%20Premium)※\n*   Dedicated Fraud Resolution Support\n*   Lost Wallet Assistance\n\\*7 days free, then $24.99\/month\n**Equifax**\n[**Equifax Complete Premiere Plan**](about:blank) **— $19.95\/month**\n*   Regular access to Equifax Credit Score, which is based on their own unique algorithm (not FICO or VantageScore)\n*   Annual access to 3-bureau Equifax Credit Scores and credit profiles\n[**Equifax Complete Family Plan**](about:blank) **— $19.95\/month**\n*   Regular access to Equifax Credit Score (not FICO or VantageScore) based on Equifax credit report\n*   Annual access to 3-bureau Equifax Credit Scores and credit profiles\n*   Covers two adults\n[**Score Watch 1-Bureau Credit Monitoring**](about:blank) **— $14.95\/month**\n*   Access to Equifax credit reports twice a year\n*   Access to FICO Score 5 (based on Equifax credit report) twice a year\n**TransUnion**\n[**1-Bureau Credit Monitoring**](about:blank) **— $24.95\/month**\n*   Unlimited access to TransUnion credit report\n*   Unlimited access to VantageScore 3.0 based on TransUnion credit report\n**NOTE:** Since we have already outlined in previous sections how to see your credit reports for free, there is no reason to pay for them through the credit bureaus. Yes, these paid services give you access to FICO Scores. But you can see your FICO Score for free through Discover Credit Scorecard. And if it’s industry-specific FICO Scores you need, pay for them through myFICO.com (details below).\n4) myFICO.com\n-------------\nThough it’s never necessary to pay to see your credit reports, it might be worth paying to see your industry-specific credit scores when you’re looking for auto or home financing. In that case, myFICO.com is the way to go.\n**Basic** **— $19.95\/month**\n*   Experian credit report\n*   FICO Scores 8 and 9, and industry-specific scores\n*   Updates every month\n**Advanced — $29.95\/month**\n*   Credit reports from all three bureaus\n*   FICO Scores 8 and 9, and industry-specific scores\n*   Updates every three months\n*   Credit monitoring with all the perks.\n**Premier - $39.95\/month**\n*   Complete 3 bureau coverage\n*   FICO Scores from all three bureaus\n*   Updates every month\n*   Credit monitoring with all the perks.\n**NOTE:** Of the three options above, we recommend myFIco Advanced, unless you are actively repairing your credit, then you probably want to see your scores and credit reports more often, then go with Premiere. END