Free Online Credit Reports Until April 2021

In response to the COVID-19 pandemic, the three major credit reporting agencies -- Equifax, Experian, and TransUnion -- are offering free access to online credit reports, weekly, until April 2021.

Free Online Credit Reports Until April 2021

You can Start Here.

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Recent Test of AnnualCreditReport.com

So, according to both CreditKarma.com and CreditSesame.com, my VantageScore 3.0 credit scores from TransUnion® and Equifax® dropped more than 80 points, and for no reason.

Credit Scores: TransUnion and Equifax VantageScore 3.0

So I visited www.AnnualCreditReport.com to check my credit reports from the 3 major bureaus: TransUnion, Equifax and Experian^TM:

• TransUnion: I was able to access and download my credit report.  I found no problems.
• Equifax: Fail; online delivery not available (see image below.)
• Experian: Not available.

Equifax: online delivery not available

Success with only 1 out of 3  www.AnnualCreditReport.com?  What's up with that?

I'm still investigating this.

Stopped by the Citi® website and checked my FICO® score there.  My Equifax® Bankcard Score 8 score was 820 out of 900.

I'll update this when I get answers. Stay tuned...

FICO / Equifax Bankcard Score 8 credit score

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Just Tried FreeCreditScore.com

Just tried www.FreeCreditScore.com ( +freecreditscore.com ) to see what the site is offering. The site is owned by +Experian.

The site gives you free access to your Experian PLUS Score (pictured) but this score doesn't have much meaning, because lenders don't use it.  My PLUS score, 717, is not even close to my FICO®-based scores.  Meaningless.

If you want access to your FICO credit score -- the score all lenders recognize -- the site will ask you to pay $1 for it.  Feels very much like a bait-and-switch to me, therefore I am still recommending Credit Karma for free credit scores.

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