Your Credit, Your Future
Get your 3-bureau credit reports and scores. Daily monitoring, alerts, and AI tools to boost your score.
Credit Report Plans
Choose the plan that best fits your needs.
SmartCredit
7-Day Free Trial then $19.95/mo. Full-featured 3-bureau credit monitoring & AI score tools.
- 7-day FREE trial included
- 3-Bureau Report & Scores — 1 Report/mo
- Smart Credit Report® & Scores — Unlimited
- Future Score & Best Pay-Down Date
- ScoreTracker, ScoreBuilder® & ScoreBoost™
- Credit Monitoring & Unlimited Actions
- myLONA® Loan Tools
- Money Manager
- $1M Fraud Insurance — Free with Activation
- PrivacyMaster® Identity Protection
MyFreeScoreNow Core
Get your 3-bureau report & scores instantly with daily monitoring.
- 3B Report & Scores — 1 Report/mo
- 3 Bureaus Report® & Scores — Unlimited
- Future Score
- Best Pay-Down Date
- ScoreTracker
- ScoreBuilder®
- ScoreBoost™
- Credit Monitoring
- Actions — Unlimited
- myLONA® Loan Tools
- Money Manager
- $1M Fraud Insurance — Free with Activation
- PrivacyMaster®
MyFreeScoreNow Plus
Everything in Core plus a 7-day free trial to get started risk-free.
- 3B Report & Scores — 1 Report/mo
- 3 Bureaus Report® & Scores — Unlimited
- Future Score
- Best Pay-Down Date
- ScoreTracker
- ScoreBuilder®
- ScoreBoost™
- Credit Monitoring
- Actions — Unlimited
- myLONA® Loan Tools
- Money Manager
- $1M Fraud Insurance — Free with Activation
- PrivacyMaster®
MyFreeScoreNow Premium
Everything in Core plus advanced AI tools, protection & premium features.
- Everything in Core Plan
- ITIN and SSN compatible
- Optimal Path™ AI — set score goals & get real-time tasks
- ScoreTracker, ScoreBuilder® & ScoreBoost™
- Future Score & Best Pay-Down Date
- $1M Fraud Insurance (free with activation)
- PrivacyMaster® identity protection
- Money Manager
IdentityIQ
Only $1 to try the IdentityIQ Protect Max Plan for 7 days, then $19.99/mo. Get your 3 credit reports and scores!
- Only $1 to try — 7-day trial
- Experian, Equifax & TransUnion Reports & Scores
- Daily Credit Monitoring & Alerts
- Credit Score Tracked Monthly
- Credit Report Refreshed Every 30 Days
- $1,000,000 Identity Theft Insurance*
Why Check Your Score
Your credit score indicates your credit-worthiness. Good credit is important because:
You Save Money
Better credit means better financial opportunities and more cash in your pocket.
Reduced Interest Rates
Lenders reward good credit with lower interest rates on loans and credit cards.
Lower Monthly Payments
Qualify for better terms that reduce your monthly financial burden.
Lower Fees
Avoid costly deposits, penalties, and high-fee financial products.
Higher Credit Limits
You qualify for higher credit limits, giving you more financial flexibility.
Employers Check Credit
Many employers review credit reports as part of their hiring process.