Your free credit report. Always on hand.
Keep up with your credit report, check your free credit score any time, and get Nerdy insights to keep building your credit.
Get your TransUnion free credit report and then some
Check your free credit report
Link your free credit report to verify details and check your score.
Spot errors and start disputes
We’ll help you spot errors early and start a dispute right away.
Discover ways to build credit
We’ll surface personalized tips and insights to manage your credit.
Get score change notifications
When we see a change in your score, you’ll get a notification of how much it changed and why.
Monitor your money moves
Link your cards, accounts, loans, and bills to track every money move with your free credit score.
Keep up with your net worth
Zoom all the way out to see the total amount you have and owe.
Check in on your free credit report anytime
Yep, it’s free
No credit card required — really. Still not sure? Here’s how we make money.
Safe and secure
Rest easy knowing all your info is secured with 128-bit encryption.
Never hurts your credit
We use a "soft inquiry" to check your credit score, meaning it won’t be affected.
Check your free credit report, monitor your credit history
Your credit report shows information about you and your history with credit. It includes your accounts, payment history and sometimes negative marks such as collections, if you have them. That information has a powerful impact on your finances — and your credit score — so it’s important to be sure the data is correct and up to date. You can dispute errors and ask for them to be removed by the credit bureau or creditor responsible for the data. (And we’ve got you covered if you’re not sure how to read your credit report.)
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.
Get your free credit score too
NerdWallet also provides your free credit score, so you can track how your actions help you build credit. Your credit dashboard explains how you’re doing on the factors that make up your credit score and personalized tips suggest ways to keep building.
Best of all: Checking your own credit score or report does not hurt your credit score.
FAQs about your free credit report
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 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.