" is the most convenient site I've found to keep track of my credit score. The periodic reminders keep me in touch with little effort." - Jeffrey, KS

3 bureau report
Donate $1 to Charity

To help the community, we will donate the $1 you pay for your Credit Reports to a charity that supports financial literacy.


When you order your $1 Credit Reports and FREE Scores here, you will begin your 7-day trial membership in If you don't cancel your membership within the 7-day trial period*, you will be billed $24.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.

  • 30 Days Unlimited Credit Report Access 30 Days Unlimited
    Credit Report Access

    Credit Report errors can hurt your Credit Score and could cost you thousands, so check yours often.

  • 3-Bureau Credit Monitoring Credit Monitoring

    Daily monitoring of your Credit Report.

  • Email Alerts Email Alerts

    Get alerts when there are key changes-like new accounts and delinquencies- on your Credit Report, and find out when your Credit Score changes.

  • Credit Score Estimator Credit Score Estimator

    Find out how big financial decisions-like buying a house, paying off credit cards or getting a new car-could affect your Credit Score.

* Monitoring with Experian begins within 48 hours of enrollment in your trial. You may cancel your trial membership any time within 9 days of enrollment without charge.

Calculated on the PLUS Score model, your Experian Credit Scores indicate your relative credit risk level for educational purposes and is not the score used by lenders. Learn More, Inc. is a tax-exempt, 501(c)(3) not-for-profit corporation.

$1 Credit Reports & Free Credit Scores

Order your $1 Credit Reports to get your FREE Credit Scores with your trial of credit monitoring. We provide daily monitoring of your credit report for new credit applications, changes to your name or address, and potential negative activity. During your trial, you'll receive:

  • Access to your $1 Credit Reports and FREE Credit Scores online for 30 days
  • Analysis of your credit history
  • Email alerts when your credit history changes

Why Your Free Credit Scores Matters

Your credit score plays a very important role in your financial life. Your credit score determines the amount credit lenders will make available to you and the interest rates and payments on mortgages, credit cards, auto loans, insurance policies, and more.

The Difference Between a Credit Report and a Credit Score

  • Credit report is a detailed history of the loans you´ve received and credit cards you´ve used that is offered by the three bureaus once a year. If you´ve had collections, they may also appear on any of the credit reports. For each account, the credit report shows your payment history, current balance, credit limit, the date the account was opened, and whether the account is open or closed.
  • Credit score is a three digit number based on the information in your credit report. The bureaus factor in the number of years you´ve had credit, how much of your available credit you´re currently using, whether you´ve recently made any late payments, and how recently you´ve had any negative actions or credit applications.

Why Your Credit Report Matters

First, your credit score is based on your credit report. Any incorrect information could reduce your credit score. A lower credit score can cause your interest rates to rise or you could be denied credit. Your credit report also lists past addresses and employers. Credit report inaccuracies could slow loan processing.

A credit report is often the first place people detect identity theft. By regularly monitoring your credit, you can reduce the damage from credit fraud.

Order Your Free Credit Scores

Order your $1 Credit Reports and Free Credit Scores today! Try our credit monitoring membership free for 7 days. You can cancel at any time.

A Note on your Annual Free Credit Report:

Under federal law you have the right to receive a free Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A free Credit Score is not included.