How Healthy Is Your Credit?

Top Providers of Unlimited Credit Reports

If you’d like to get unlimited credit reports you will likely have to subscribe to a monthly service. You can get your credit reports for free once per year through AnnualCreditReport.com but you will only get one copy of your credit report and won’t be able to access an updated version for another 12 months. Read on to discover how you can get your 3 in 1 credit report, credit scores from all 3 bureaus, credit monitoring and unlimited credit reports all for one low monthly fee.

Who Offers Unlimited Credit Reports?

There are a number of companies who offer unlimited credit reports which includes:

Equifax - Equifax is one of the 3 major credit reporting bureaus and offers their own unlimited credit report and credit score package which also includes features like identity theft protection, email alerts and score trending to help you see how your score changes over time. The best part is they only charge $4.95 for the first month.
TransUnion - TransUnion is another major credit bureau which also offers a credit monitoring package which allows you to pull unlimited credit reports and scores. They even offer a 7 day trial which will allow you to view your credit reports and scores for free. After the 7 day trial they charge $16.95 per month for their credit monitoring and reporting service.
Experian - Experian also offers their own credit monitoring service which will provide you with access to unlimited credit reports as long as you’re a member. Their plan offers a $50,000 guarantee to help cover expenses if your identity is stolen. They provide a monthly digest of activity on your credit reports along with access to their online credit report dispute process to help eliminate any inaccuracies on your credit reports. Their service costs $14.95 per month.
Credit.com - They provide a 3 in 1 credit report, 3 in 1 credit scores, credit monitoring, email alerts and unlimited access to all 3 credit reports for just $14.95 a month. They even offer support in the event of identity theft and provide $25,000 in identity theft insurance at no additional cost.

Having access to unlimited credit reports and scores from each of the major credit reporting bureaus can help you to get your credit under control as well as resolve any inaccuracies that may be dragging your credit score down.

Does Checking My Credit Report Hurt My Credit Score?

While you may have heard that having your credit report checked can hurt your score, checking your own credit report will not impact your credit score. Only hard inquiries will lower your credit score. Hard inquiries are inquiries made to the credit bureaus which you have given written permission for. These kinds of inquiries are only typically made when you apply for credit.

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