Best for Credit Monitoring: Credit Karma

Credit Karma has been around since 2006 and has partnered with two of the major credit bureaus — Equifax and TransUnion — to offer your free credit report. Because you can access two of your major credit reports, it’s the next best option to AnnualCreditReport.com. You don’t have to enter any credit card information required to access your free credit report, but you’ll have to create an account. You can access your credit reports at any time by logging into your account. Your credit report information is updated as often as once per week, so you have continued access to changes in your credit information.

You’ll have access to your credit report information along with an explanation of the factors that are contributing to your credit score. Credit Karma also uses your free credit report information to show credit card and loan offers that you may qualify for. You don’t have to take advantage of these offers if you’re not on the market for a new credit card or loan product.

Best for Single Bureau Access: Credit Sesame

Credit Sesame pulls information from your TransUnion credit report to help you keep track of all your latest credit information and factors affecting your credit. There’s no credit card information required to sign up, but you will have to create an online account with Credit Sesame to access your credit report information. Once you’ve created an account, your membership gives you access to a monthly update of your credit information.

In addition to your TransUnion credit report information, you’ll also have access to your TransUnion credit score. This gives you an idea of where your credit stands and whether you need to improve your score. Credit Sesame uses your credit information to make recommendations for credit cards, loans, and other financial products, but you don’t have to apply if you’re not on the market for a new loan.