LendingTree Review

LendingTree ID Card

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

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LendingTree at a Glance  

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.

100% Free Credit Score with LendingTree

Best for Whom? 

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. 

Features and Highlights 

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:

  • Free credit score check and report with no trial or credit card required
  • Minimal credit monitoring
  • Free evaluation of your current debt to see if there is room for savings
  • An online library of free money saving tips and tools  
  • Leading online lenders that also offer the best rates on mortgages, personal loans, business loans, auto refinance, student loans, & reverse mortgages

My LendingTree’s interactive credit monitoring dashboard

The Signup Process

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.

Contract Details

LendingTree’s credit score reporting services are free, so the details of their contract are minimal.

Privacy Policy

LendingTree collects certain information from its customers for service provision and marketing.

Information Collected

LendingTree collects the following information from its customers to provide its identity protection services:

  • First and last name
  • Mailing address
  • Email address
  • Phone number
  • Last 4 digits of social security number

Competitive Credit Monitoring Services

How Safe Is It?

  • Technology: LendingTree states on their online security policy that they do not provide more than the mandated level of security to protect their customer’s data. They do use Secure Encryption (HTTPS) and firewall protection for its networks.
  • Personal Information collected: name, address, telephone number, email address and the last four digits of social security number
  • Non-Personal Information collected: They collect information such as demographic data and data about your online activity on their website that does not identify users.
  • Information Sharing: LendingTree may share your personal information with their authorized service providers. These third parties include credit bureaus, insurance companies, marketing and customer services firms, etc.
  • Over the phone: If you do not feel comfortable entering personal information online, LendingTree also provides a toll-free phone number where you can provide your personal information to a customer service representative.

Help & Support

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. 

Helpful & Friendly Advice

Deep Dive into Pros and Cons


  • The number one pro is that services at LendingTree.com are completely free.  There are no upfront fees or trial periods.
  • Even if you have poor credit, LendingTree will work you to repair your credit.
  • There is a vast online library of tools and educational resources that users can leverage to learn about lending, debt, credit scores and how to get in the best possible financial position.


  • Customers have complained that immediately after signing up for LendingTree’s free services they became inundated with multiple phone calls and email from lenders and other third party vendors because LendingTree sells their customer’s information.
  • Some customers have complained that some of their personal information that LendingTree stated they wouldn’t sell to third parties, was actually sold.


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.

Physical Address


11115 Rushmore Drive

Charlotte, NC 28277

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