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However, you are entitled to one free annual credit report and you can get the full versions of your Experian, Equifax, and Trans Union reports by going to Remember, each credit bureau uses a different credit scoring model and your reports may look different.
This is because creditors are not required to furnish information to any or all three of the credit bureaus, so you may see one account show up on Equifax that isn’t being reported to either Trans Union or Experian (or any combination).
Here, you can access your credit report for free once per year for each of the three credit bureaus.
You can also access your credit report snapshot for free at
The higher your score, the better offers and interest rates you’re eligible for.
Your credit score and credit report are separate from one another.
If you want to keep track of how often you’re applying for credit, or want to make sure you haven’t been a victim of identity theft, we can help. Creditors like to see this mix because it shows them you’re capable of handling all types of accounts. You also receive a credit report card summary that breaks down the five key areas of your credit score, allowing you to easily identify where your credit stands. Believe it or not, there are loans and credit cards for all types of credit scores—from no credit to stellar credit!
Each credit bureau calculates your scores differently.The Vantage and FICO scoring models are the scores that most lenders use to evaluate you when you apply for a new credit card, a mortgage, and other types of accounts.Your credit report card is a simple breakdown of what’s on your credit reports, so it’s not as difficult to read as the full version. Do you make sure to pay everything early or on time? Your payment history makes up 35% of your credit score—and it’s the biggest portion.If you want to see where you’re at, your free credit report summary will show you.
Your credit utilization, or how much of your credit you use, makes up 30% of your credit score. Let us show you how by coming up with a personalized game plan. Every time you apply for new credit this shows up as an inquiry, which makes up 10% of your score, and can cause it to go down. Your credit score will help you know where you’re at and your report card summary will help you know what you need to improve.