This number gives you a quick snapshot of your credit health.
Updates every month automatically, but you can refresh it daily
Scored by VantageScore 3.0, a model developed by Equifax, Experian and TransUnion
Credit profile is pulled from TransUnion, 1 of the 3 major credit reporting bureaus
Considers up to 200+ factors from your credit report
Checking this won’t affect your credit score (it’s a “soft inquiry”)
Your Full Credit Report
Your Free report contains everything you'd find on your credit file.
Open credit inquiries
And checking this won't affect your credit score (it's a "soft inquiry").
Daily Credit Monitoring
Meant to help you spot potential fraud and/or identity theft attempts, this free credit monitoring service checks your credit report daily.
You’ll get an email when the system detects any of these events related to your identity:
New accounts opened
Credit inquiries made
You’ll learn what affects your credit score positively and negatively, so you’ll know how to keep a great credit rating – or build your way up to one. And you’ll get loads of smart tips on managing your debt and overall financial
Developed collaboratively by Equifax, Experian and TransUnion, this VantageScore 3.0 credit scoring model seeks to make the information more uniform between the 3 major credit reporting bureaus.
Some financial institutions use the other scoring model (FICO), and each model might weigh some of the 200 factors differently. But no matter which credit scoring model or credit bureau is used, people’s credit ratings fall into these ranges:
This free service is meant to help you spot potential fraud and/or identity theft attempts. Your credit report is monitored daily, and if any big changes are detected, the system alerts you with an email.
If your email address ever changes, you just need to update it in online banking or the mobile app.
Unlike some credit checks that might impact your credit score, using this free credit won’t. That’s because this considered a “soft inquiry.” Lenders use a “hard inquiry” to make decisions about your credit worthiness when you apply for loans.