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HOW IT WORKS
Your free credit score with NerdWallet unlocks
Credit monitoring
Check your free credit score and credit report as often as you want. Get alerts about changes so you can manage your credit effectively.
Education and card offers
Stay on top of your score with Nerdy insights tailored to you. We'll also help you decide which credit cards fit your financial needs.
WHY IT MATTERS
The Credit Nerd explains
MORE QUESTIONS ANSWERED
FAQs
Is my credit score really free?
Yes! You can sign in to NerdWallet at any time to see your free credit score, your free credit report information — and much more. There's no credit card required, no cost. If you're curious, here's how we make money.
How can I check my credit score? How often does it change?
When you sign up for a NerdWallet account, you get your free credit score and free credit report, updated weekly. NerdWallet provides your VantageScore 3.0® using data provided by the TransUnion® credit bureau.
Credit scores change frequently as data is added to your credit reports. Checking your credit score weekly is a good habit to develop, so you can see your credit-building progress and watch for signs of trouble.
Is it secure? Can I check my credit score without hurting it?
Rest easy knowing your data is protected with encryption, multi-factor authentication and other security features. And we use a "soft inquiry" so checking your score won't hurt it.
Where does NerdWallet get my score?
NerdWallet partners with TransUnion® to provide your VantageScore® 3.0, based on information in your TransUnion® free credit report. Your score and credit report information is updated weekly. Note that lenders may make their approval decisions using a different credit scoring model or data source.
Credit scores are everywhere, so choose a score provider that helps you understand the bigger picture.
NerdWallet explains your score and shows you how you're doing on the factors that influence it most. In the same convenient dashboard, you can see your cash flow and understand your net worth, plus track your debt and see upcoming payments.