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The best credit report service makes it easy to access your scores and manage your financial future.We looked at 23 widely available services and evaluated their reporting, monitoring, and educational tools to see which ones streamlined the user experience.
The best service does more than just give you peace of mind — it also provides tools and resources to help you learn more about your credit, how to improve your score, and how to protect yourself from identity theft.
The forum experience is similar to Reddit, and we found ourselves spending far more time there than we thought — just another way that my FICO has made a positive user experience out of a distinctly “unsexy” subject.
Ironically, my FICO doesn’t offer direct access to your actual credit reports.
These three top picks provide strong monitoring and identity theft protection measures, as well as useful resources.
Our fourth pick, Annual Credit Report.com, doesn’t provide educational tools or protection measures for your identity, but it is free — and the barebones credit health it provides might be enough to make informed financial decisions in the future.



We nixed those that hardly provided any tools beyond a glossary, like Privacy Guard and Credit Check Total.
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