Price 100% free
Top Pro Completely free with no credit card details required
Top Con Does not offer identity protection
Best for Those who have concerns about inaccuracies in their credit reports
Recovery Not available
LendingTree was launched in 1996 as CreditSource USA and rebranded in 1998 as LendingTree. LendingTree’s is one of the United States’ leaders in online credit cards, mortgages, personal loans, business loans, student loans and reverse mortgages and is trusted by over 65 million Americans.
For the purpose of this review we will be reviewing just their credit score / reporting service. LendingTree credit score services allow customers to get their free monthly credit score, report and monitor changes to their credit. LendingTree's quick and easy service not only provides users with their free credit score instantly, they also offer money saving tips and tricks customized for each customer. No matter if you have bad credit or good credit, they will help you improve your score to save even more.
LendingTree does not offer as much as some of the higher end credit monitoring services on the market, but they do provide you with the tools to check on and monitor your credit on your own. LendingTree’s credit score services appeals to consumers looking for the best deal on a financial credit products, not for those who require fraud and identity alerts and protection.
LendingTree customers are able to view and monitor their credit score every month based on the TransUnion credit report (VantageScore). The My LendingTree online dashboard is a user friendly feature that visually represents the customer’s score and what they are doing to help or hurt their score.
Notable features of LendingTree’s credit score reporting services include:
To being your credit monitoring services, there is an easy to follow two-step process to sign up for LendingTree.
Step 1 is to provide your email address, and create a username and password.
Step 2 provide your general information - name, address, phone number and the last four digits of your Social Security number.
LendingTree’s credit score reporting services are free, so the details of their contract are minimal.
LendingTree collects certain information from its customers for service provision and marketing.
LendingTree collects the following information from its customers to provide its identity protection services:
LendingTree’s website offers an online library of advice, financial tools and tips and tricks for their users to make the best personal finance decision possible. If you don’t find the information you need online, LendingTree offers customer support with a toll-free phone number, online form submission, mailing address, email addresses and multiple social media platforms.
When reviewing customer review boards, the vast majority of reviews indicated that LendingTree’s customer support team is readily available, eager to help and extremely knowledgeable.
LendingTree is a leader in the industry and their free credit score service is perfect for those customers who are looking to keep an eye on their credit, at the best possible price. Their online credit rating service is essentially risk free in that it’s free, no credit card number is provided, and the personal information you provide at sign-up is basic with only the last 4 digits of your social security number required.
It should be stressed that when shopping around, you should review how online credit reporting companies like LendingTree make their money. Is your personal information sold to various third vendors? LendingTree’s most common consumer complaint is that once they have your personal information, most users end up harassed with phone calls, emails and other bothersome marketing tactics.
11115 Rushmore Drive
Charlotte, NC 28277