MyFICO.com is the place to get your credit report and score if you plan on getting a loan, renting a new apartment, applying for a mortgage, or buying a new car. This is because 90% of the largest banks and lenders use FICO credit scores when approving applicants for loans, bank accounts, and lines of credit. FICO is also used by many mortgage companies, car dealers, and rental management companies.

• FICO Forums.
• Access to all three credit reports and scores.

Once you order your score, you can use the site's Score Simulator to see what would happen to your score under different scenarios. This will help you determine what moves would be best for your credit situation. If you have any questions, you can visit the support center or take part in their growing community on the FICO forums, where credit is always the topic of discussion.

The downside is that the costs can add up quickly. You have three credit reports and scores and each one will cost you $15 to see. To make matters worse, lenders randomly choose which report they will use to consider your application, so you really need to know all three of your scores to get a complete look at your credit standing. In the long run, even though it can be pricey, the cost is definitely worth it if you plan on applying for credit. They earn 5.5 Stars!

CreditReport.com allows you to get access to your credit report and score for 60-days, plus you are signed up for a 30-day free trial in their credit monitoring service. Once this service ends, you will be charged $12.95 per month to continue receiving these benefits. As with all credit monitoring services, you will be notified when changes take place on your report.

• Be notified when something on your credit report changes.
• Access to your free credit report for 60 days.

Once a member, CreditReport.com also gives you a detailed analysis of what is affecting your score and the resources to learn how improve a poor credit score. Therefore, they are offering more than just credit monitoring and a peek at your report – they are offering you knowledge on how to improve your situation.

Although they do offer support via email, we'd have liked to see faster response times and maybe even the addition of live phone support. Overall, however, CreditReport.com seems to be a great place for affordable credit monitoring and free access to your credit information. Star Reviews gives them 5.0 Stars!

TrueCredit.com allows you to get unlimited access to all three of your credit reports and TrueCredit credit scores, which can be an important asset in today’s world. This takes the guesswork out of deciding when to apply for a car loan or a credit card.

• Get notified whenever changes happen to your credit reports.
• $25,000 in ID theft insurance.

It also helps you keep track of what others may be doing with your information. Since you can check your reports daily, you can watch your reports for any unauthorized activity and nip it in the bud when it does occur.

Additionally, TrueCredit will notify you whenever there are any changes to your reports. This means that if a creditor marks you down as 30+ days past due or you receive a collection account on your report, you will know almost immediately.

All in all, TrueCredit is an easy to use website and is a great resource for those who want to be educated about their credit standing for a nominal monthly fee. They earn 5.0 Stars!

CreditReporting.com helps connect consumers with their credit report and scores. There are several products to choose from, with prices ranging from $15 to $30+. Whether you want a one-time peek at your credit or ongoing credit monitoring, CreditReporting.com has a solution to meet your needs.

• Scans your report for inaccuracies.
• Get all three credit scores at once.

Aside from just selling products, CreditReporting.com also offers a wealth of free information to visitors of the site. You can learn about everything from credit report disputes, to improving your credit score, to opting out of credit solicitations.

All in all, if you can cough up a monthly fee of $29.95 per month, CreditReporting.com is a great way to get educated about credit, see all three of your reports and scores, and have your reports monitored for changes. If you want the same services for less, there are other sites on the Web offering it. They earn 4.5 Stars!