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Your free credit report is here.

No credit card. No commitments. No cost to you.

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See your credit report and check your credit score, all in one place.
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See where you stand

See account histories, inquiries on your credit and any potentially negative information. Updated every 7 days.

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Monitor your report for free

Get feedback as you polish your credit profile and watch for problems like identity theft or errors that may ding your score.

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Know your data is secure

NerdWallet uses state-of-the-art, 256-bit encryption to keep your information safe. We will never share or sell your information.

What is a credit report? How is it different from a credit score?

A credit report is your credit data footprint — a just-the-facts record of your past use of credit.

Your creditors regularly send account information to one or more of the three major credit reporting agencies: Equifax, Experian and TransUnion. Those agencies then build reports showing data such as how long you’ve had credit, how much of your available credit you’re using, your payment history, and any negative marks like late payments.

But a credit report is not an assessment of your creditworthiness — that’s what a credit score is. A credit score takes information in your credit reports to calculate the likelihood you’ll repay future obligations.

Because credit scores are based on your credit report data, an error on your report could result in a nasty surprise — like being turned down for a mortgage. And if your identity has been stolen, fraudulent accounts and negative marks may be piling up.

Monitoring your free credit report lets you watch for signs of trouble and make sure you look the best you can to potential creditors.

Why your credit report matters

The information in your credit reports has a lot to do with whether you can get a car loan, mortgage or credit card and what interest rate you’ll pay.

Because employers, landlords and insurance companies also check credit reports, incorrect information could result in your being denied a job or an apartment or paying more for car insurance.

Checking your credit reports yourself does not affect your credit score, so don’t be afraid to regularly monitor the information. It’s especially important to check if you have lost your wallet, your mail has been stolen or you suspect your personal information has been compromised.

With NerdWallet you can check your TransUnion credit report whenever you like. The data is updated every week.

What to look for on your credit report

First, check that your personal information is correct: your name, birthdate and Social Security number. You’ll also see lists of your current and former addresses and employers.

Then, look through the account information, which lists credit cards, loans and other credit you’ve had. Look for inaccuracies or information you don’t recognize, such as:

  • Incorrect debt amounts.
  • Open accounts you don’t recognize.
  • Accounts listed as delinquent when you believe you paid on time.
  • Negative marks, such as an account sent to collections, that you’re unaware of.

Finally, look at the list of inquiries on your credit. Inquiries you didn’t authorize could be a sign someone else is applying for credit in your name.

What to do if you find a mistake

If you spot something you think is wrong, you’ll want to investigate.

Start by getting your in-depth reports from all three credit bureaus. You’re entitled to a free credit report every 12 months direct from Equifax, Experian and TransUnion. The quickest way is through AnnualCreditReport.com. You can also call 877-322-8228 or download a form to fill out and mail.

See whether the suspicious account or erroneous information is on all three reports, and look for additional details. Gather documentation you have that shows why you think the information is wrong.

Next, file a dispute with each credit bureau that shows the error. All three bureaus have online dispute portals, or you can send a letter. Equifax and TransUnion also have toll-free numbers you can call with a dispute. Check the how-to page for each credit bureau:

Equifax (click the dispute section to expand)

Experian

TransUnion

Each credit bureau that’s notified must investigate within 30 days and remove outdated data or information it can’t verify.

Frequently Asked Questions

How does NerdWallet get my credit report?

NerdWallet works with partner TransUnion to present your credit report information. When you sign in, you also get your VantageScore 3.0 credit score, based on the information in your TransUnion credit report. Both your score and credit report information are updated weekly.

How does TransUnion get the information on my credit report?

When you use credit, such as a credit card or loan, the creditor will report your account activity to one or more of the three credit reporting agencies. In addition, some payment activity — such as rent or utility payments — may sometimes be reported to credit bureaus. That type of alternative data goes into your VantageScore credit score. However, FICO 8, the credit scoring model most widely used in lending decisions, doesn’t use alternative data.

Is my credit report information really free?

Yes! You can sign in to NerdWallet as frequently as you’d like to check your credit report information, score and more.

Is my information safe?

NerdWallet uses state-of-the-art, 256-bit encryption to keep your information safe. We will never share or sell your information.

Learn more about your credit

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Why Are Accounts That Have Been Paid Off Still on My Credit Report?

A credit report shows all of your credit history, even closed accounts — and that can help your credit score. Here’s why.

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How Long Do Negative Marks Stay on Your Credit Report?

Make a misstep that’s affecting your credit? Find out how long negative marks might last, and what you can do about them.

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What's the Difference Between a Soft Inquiry and a Hard Inquiry on My Credit?

Some credit checks show up on your credit report and may shave points off your score. Here’s when that might happen.

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