Credit MonitoringDaily 3-bureau credit monitoring and alerts - notifies you of key changes to your credit files, via e-mail or text.

Free Credit ScoresView all 3 of your free credit scores and receive helpful information on how to maintain your free credit score.

Identity ProtectionChecking and monitoring your credit is a vital step in protecting yourself against identity theft.

No Credit Card Needed - Free Credit Report

Need a free credit report but don't want to enter your credit card information to get it? I only know of one source for access your credit report online without being required to enter your credit card information first...

www.annualcreditreport.com is the official site for accessing your free annual credit report. Now all US residents are eligible to view their credit report from all 3 of the credit reporting companies - Equifax, TransUnion and Experian.

At annualcreditreport.com, you are not required to enter your credit card information to view your credit reports, and no trial membership is involved either. The site is designed to give every US resident free and easy access to their credit report from all 3 agencies, once per year, from a central source. All you have to do is enter your personal information to confirm your identity, then they will lead you through the process of viewing all 3 of your credit reports. Easy squeezy!

Viewing Your Credit Score for Free

While accessing your credit reports is completely free at annualcreditreport.com - your credit score is not included with the annual credit report offer, and will cost extra from each of the "big 3" reporting companies. After you have viewed all 3 of your credit reports from that site, and you still want a free credit score, I suggest signing up for for a free trial credit monitoring membership which includes your credit score with a 30 day trial.

With your free credit monitoring trial, your credit card information is needed to sign up, but the bonus is you can view your credit score absolutely free.

You won't be charged any up front fees, you will only be charged $14.95/month if you don't cancel the credit monitoring service before your 30 day trial is up. If you don't like the service they provide, just call and cancel it. You will not be charged anything, and you still walk away with your Free Credit Score just for giving it a try. Not bad eh?

We have more detailed information on this offer within our article on how to get a free credit score.

Why not do both...

I recommend trying both of these services. Obviously with the fist one there is no credit card needed and is the only source where you you get all 3 credit reports completely free (annualcreditreport.com), but it does not include your free credit score.

The other does require you to enter your credit card information for your free trial, but this one does include your free credit score. Each have their advantages and both are exceptional services.