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FREE CREDIT SCORE MONITORING

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  • Includes free debt tracking and personalized planning.
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We give you more than just a number

Useful alerts, comprehensive score breakdowns, and financial tools to get you to your goals.

Numbers you can trust. Review your latest VantageScore® 3.0, powered by TransUnion.

Clear factors. Understand the specific reasons behind your score and how to improve it.

Personalized offers. Tap into Credible’s 5-star rated marketplace to find savings and prequalified rates.

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Why your score matters

Start today and build for the future

Better loan and credit card options

A good credit score helps you get better interest rates and terms.

Easier approval for whatever life brings next

Zip through renting an apartment, getting a car, and other adulting.

Fewer errors and surprises

Check your score for unusual activity and catch fraud quickly.

What is my credit score?

Understanding your free credit score

Look behind the scenes and check where your score really comes from.

Payment historyView
This is your track record for making on-time payments, usually over the last 6-7 years.
Age of creditView
The average age of your open accounts. Lenders like to see that you have a long and healthy credit history.
Credit usageView
The amount of credit you’re using compared to your total credit limit. It’s good to keep this below 30%.
Amount of debtView
The total balance you owe on all the accounts in your report.
Hard inquiriesView
The number of hard credit pulls on your report in the last 2 years.
Available creditView
The total amount of credit you have access to. More credit is a sign that lenders trust you.

FAQ

There’s more to know about your credit score

What’s a good credit score?View
A good credit score is typically 700 and above.
What are credit scores used for?View
Your credit score is an indicator of how responsibly you use credit and manage debt. Lenders use it to determine whether you can borrow money and the interest rate you’ll be offered.
How fast can I raise my credit score?View
Depending on the factors impacting your score, it can take anywhere from a few months to a few years. If you’re consistently paying down your debt and making payments, you should see those positive behaviors reflected in your credit score each month.
Another service gave me a different score. What gives?View
It’s normal for your score to vary depending on what model you’re looking at, since they may weigh factors differently. The score you see from TransUnion uses the VantageScore® 3.0 model.
How can I see past data?View
You can request your full credit report from TransUnion on their website, or request your free annual credit report from all three credit bureaus at AnnualCreditReport.com.
How long does information stay on my credit report?View
Positive information and accounts in good standing stay on your credit report for 10 years. Negative marks, like late payments or collections, typically stay on your report for up to 7 years.