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Frequently asked questions
How does NerdWallet get my free credit report and score?
NerdWallet partners with TransUnion® to provide your TransUnion® credit report. Using the data in your credit report, it also provides your VantageScore® 3.0 credit score. Your score and credit report information are updated weekly. Note that lenders may make their approval decisions using a different credit scoring model or data source.
Where does the data on my free credit report come from?
Several sources may report your credit activity to the credit bureaus: lenders and credit card issuers; debt collectors; public records (such as bankruptcies); and sometimes landlords. NerdWallet checks weekly for updates on your TransUnion® report.
You can also request free credit reports weekly from the three major credit bureaus by using AnnualCreditReport.com. These reports don’t include a credit score.
Is my free credit report really free?
Yes! Sign in to NerdWallet whenever you like to see your free credit report information, your free credit score — and much more. Monitor your cash flow, view your net worth and see upcoming payments, all on one convenient dashboard.
What is included in my credit report from NerdWallet?
You’ll find a summary of your open credit accounts, showing the balance and payment status most recently reported to TransUnion®. Click on an account for an expanded view that shows things such as your credit limit, type of account and a look at your payment history.
You’ll also see a list of closed accounts, a list of inquiries (“credit pulls”) and any public records in your name. Public records include items such as repossessions, foreclosures and bankruptcies.