How Much for a Credit Report & FICO Score?

The Fair Credit Reporting Act directs the nationwide credit reporting agencies to furnish you with one free copy of your credit report every 12 months, upon your request. You can work this option to your advantage by ordering one credit report several months apart from each of the bureaus, but note that your free reports will not include your credit scores. All three bureaus offer an add-on option to purchase your credit score when you obtain your free annual report.

Experian

You can get your Experian Credit Report & Score online for $14.95. You will be able to access your report instantly and continue to view it for thirty days. If you wish to continue viewing updated reports and scores, the company offers a credit monitoring service, Triple Advantage Credit Monitoring. This service will cost you $14.95 per month and affords you unlimited access to your Experian report and score, and daily monitoring of your reports from all three national credit bureaus.

TransUnion

The TransUnion personal credit report is $11.00. When you attempt to purchase your personal credit report, you will note an option to purchase your personal credit score. Note that this is the Vanguard score, a credit score developed by the three bureaus. It is not the Fair Isaacs Corporation or FICO score. TransUnion also offers a three-in-one credit report for $29.95. The three-in-one report includes data from all three national credit bureaus, along with your credit score which is based on the TransUnion data. TransUnion also offers a credit monitoring service, TrueCredit, which affords you access to your report and score from the three credit bureaus. Subscription to the service is free for the first seven days and $14.95 after the seven-day period.

Equifax

You will pay Equifax $15.95 for your report and score. The Equifax report includes a score simulator which shows you how your score changes when you take certain actions, such as paying off a high-balance credit card. Equifax's version of the credit monitoring service, Equifax Complete, will cost you $16.95 monthly. Equifax Complete includes credit report and scores from all three bureaus, a score simulator for each bureau and emailed notices when your credit score changes.

MyFICO

For $19.95, you can purchase your choice of TransUnion or Equifax credit report and score through MyFICO. Experian discontinued its agreement to furnish reports and scores to MyFICO as of February 2009. Like the national credit reporting agencies, MyFICO offers credit monitoring services. For $4.95 per month, or $49.95 per year, you can view your TransUnion report and score four times per year. Opt for Score Watch to get a more frequent look at your report and score. Score Watch allows you to monitor your Equifax credit report daily, and your credit score weekly. The cost of Score Watch is $14.95 per month or $149.95 per year.