Equifax offers one free Credit report per year. They also offer a variety of products to purchase; such as Score Tracker for example.
If you purchase the Score Tracker, you will be given your Fico Score and credit report - along with one free update within the year. (At $14.95 per month, not worth it for me.)
Even though it does alert you of activity on your account and score changes, sometimes in a timely manner and sometimes not.
The Fico Score they gave me was approximately 100 points lower than my Vantage Score. (which CreditKarma uses)
And if you DISPUTE any items on your credit report through Equifax, they will knock points off of your credit score for that, as well. They will move the "negative" remarks/section to your "OPEN" accounts - making it appear as though you have more open accounts than you actually have.
Equifax allows items to stay on your report for longer than 7 years. If it's been 7+ years and you're waiting for thing(s) to fall off of your report, Good Luck! As Equifax will allow them to stay on there 8-10 years.
CreditKarma gives FREE weekly updates of both Equifax and TransUnion scores AND credit reports on each one.
Yes, it is the Vantage Score, but it is much more accurate than the Fico score, as it doesn't look at those things that are 7+ years old!
I use/prefer CreditKarma regularly and always will.
Thanks to CreditKarma recommendations, I now have 2 new major Credit Cards and a few new Store Credit Cards.
CreditKarma lets you know your Approval Odds on credit cards, etc., before you apply.
They also have many reviews on most of the cards there, you can read what consumers are saying and decide for yourself if you want to apply or not.
They also give you recommendations (and Approval Odds) on other things such as personal loans, Auto Loans, Home Mortgages, etc. (I've not used any of those.)
Two thumbs up for CreditKarma.
Two thumbs down for Equifax.