Your free credit report. Always on hand.
Get your TransUnion free credit report and then some
Check in on your free credit report anytime
No credit card required — really. Still not sure? Here’s how we make money.
Rest easy knowing all your info is secured with encryption.
We use a "soft inquiry" to check your credit score, meaning it won’t be affected.
What is a credit report? How can it help me monitor my credit?
Checking your credit report also helps you watch for signs of identity theft or fraud. To help you stay on top of things, NerdWallet will alert you to changes on your TransUnion free credit report so you can monitor your credit efficiently.
What is the difference between a credit score and a credit report?
The data in your credit reports is used to calculate a simple number representing your creditworthiness — a credit score. The two types of credit scores most commonly used in credit decisions are the FICO score and its competitor, VantageScore®. NerdWallet partners with TransUnion® to present your credit report and a VantageScore® 3.0.
You can have multiple credit scores — a score based on information from each of the credit bureaus, as well as specialty scores for products such as cars and credit cards. Learn more about the difference between credit scores and credit reports.
Get your free credit score too
Your credit dashboard explains how you’re doing on the factors that make up your credit score. Insights and tips point out ways to keep building.
Best of all: Checking your own credit score or report does not hurt your credit score.
Why is a credit report important? Why is my credit score important?
Your credit history and scores influence whether you can get a credit card or loan, and the interest rates you pay. Insurers may use your credit information to set premiums and landlords may use credit data in choosing renters. Credit scores also determine who gets the best cell phone plans and who has to make bigger deposits to get utilities.
What if I find errors in my credit report, or see outdated information?
Look for the “Dispute with TransUnion” link on your NerdWallet credit dashboard and also on your credit report display. That connects you with the TransUnion® website, where you can initiate a dispute about information on your TransUnion® credit report from NerdWallet.
It’s wise to check your other credit reports to see if the error or outdated info is there, too. Learn more about how to file a dispute with a credit bureau or creditor.
Credit report resources
How long does it take to restore your credit?
If you have a low credit score, you’re better positioned to bounce back than someone with a good credit score. You may be able to add as many as 100 points through positive credit habits like paying on time or using less of your available credit.
Although late payments, bankruptcies and other negative marks stay on your credit reports for years, they stop affecting your credit score much sooner than that, within months.
Errors on your credit reports are one common reason your score could have fallen. Disputing a big mistake in your report has the potential to add points quickly.
When should I dispute credit report information?
Errors worth disputing include a payment mistakenly reported late when you have proof you paid on time, wrong account information, negative marks that are too old to still show up on your reports, accounts you don’t recognize or addresses you’ve never lived at.
It’s typically not worth the time to dispute small mistakes such as a misspelled employer name or old phone number; those don’t affect your credit and the credit bureaus are not required to investigate “frivolous” claims.
How long do credit report disputes take?
FAQs about your free credit report
How does NerdWallet get my free credit report and score?
Where does the data on my free credit report come from?
You can also request free credit reports directly from the three major credit bureaus by using AnnualCreditReport.com. There may be limits on how often you can request them, and these reports don't include a credit score. Data is typically updated monthly.
Is my free credit report really free?
How do I order my free credit report from NerdWallet? How long does it take?
Once you provide that data and verify your identity, you’ll have access to your TransUnion® credit report. Go to your Credit Score dashboard and scroll down to click on “See your full credit report.” You’ll also have an opportunity to connect your financial accounts so you can use NerdWallet’s full suite of dashboards, including Net Worth, to see and manage your money.
If you run into any issues with activation, check out our help center articles.
What is included in my credit report from NerdWallet?
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 like repossessions, foreclosures and bankruptcies.