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See your credit information and history in one place. NerdWallet makes it easy to know where you stand and can even help you unlock better rates on loans, mortgages and credit cards.
Why your credit report matters
Your credit report is information about you and your history with credit. It includes your accounts, whether you’ve paid your bills on time and sometimes collections or bankruptcies. It’s important to check that the data is correct and up to date because it can have a powerful impact on your finances.
Stay organized with everything in one place
Personalized credit info
Review your payment history, how much credit you’re using and the status of your credit card, mortgage and installment accounts. See your balances and most debts.
Free credit score
See your free credit score from TransUnion whenever you like. It's updated every 7 days. Plus, handy tips and simulators can help you improve your number.
Build your credit
Get personalized recommendations to help build or maintain good credit. Ask questions and discuss topics with our members on our community forum to help you make smart, informed decisions.
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Private and secure
Rest easy knowing all your info is secured with 128-bit encryption.
Won’t hurt your credit
We use a "soft inquiry" to check your credit score, meaning it won’t be affected.
Frequently asked questions
What is a credit report?
Credit reports are records of how you've handled credit accounts in the past. The three major credit bureaus — Equifax, Experian and TransUnion — gather this data and sell it. Credit reports list your accounts and your payments, as well as any problems like late payments, collections or bankruptcies.
Are credit reports the same as credit scores?
No, credit reports list your credit history without interpretation. Credit scores, on the other hand, apply a formula to the data in your report to create a three-digit number predicting how likely you are to repay money as agreed. Two companies dominate credit scoring in the U.S.: FICO® and VantageScore®. NerdWallet partners with TransUnion® to provide your VantageScore® 3.0 credit score, based on information in your TransUnion® credit report. Credit score is only one factor lenders consider and they may not use the TransUnion VantageScore.