Free credit report platforms offer consumers no-cost access to their credit reports and scores from major credit bureaus. While basic access is free, these services educate users about credit health, provide credit score simulators, and help users understand factors affecting their creditworthiness.

Revenue from targeted financial product recommendations, earning affiliate commissions ($25-150) per approved application. Additional income from display advertising, premium subscription upsells for additional features, and data licensing to financial institutions for pre-qualification offers.

• User Acquisition Cost

  Cost to acquire each new credit report user

• Offer Acceptance Rate

  Percentage of users accepting recommended financial products

• Revenue Per User

  Average monetization per active user through recommendations

Credit Karma, Credit Sesame, WalletHub