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.
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.
Yes! Sign in to NerdWallet whenever you like to see your free credit report information, your free credit score — and much more. Monitor your cash flow, view your net worth and see upcoming payments, all on one convenient dashboard.
Just sign up for a NerdWallet account using any of the green "Get my free credit report" buttons on this page. You’ll be asked to provide information needed to match you with the correct TransUnion® credit report, such as your full name, birthdate and Social Security number. Next you may be presented with a series of authentication questions as part of the credit score activation process.
Once you provide that data and verify your identity, you’ll have access to your TransUnion® credit report. Go to your Credit Score dashboard and scroll down to click on “See your full credit report.” You’ll also have an opportunity to connect your financial accounts so you can use NerdWallet’s full suite of dashboards, including Net Worth, to see and manage your money.
You’ll find a summary of your open credit accounts, showing the balance and payment status most recently reported to TransUnion®. Click on an account for an expanded view that shows things like your credit limit, type of account and a look at your payment history — plus details such as creditor contact info.
You’ll also see a list of closed accounts, a list of inquiries (“credit pulls”) and any public records in your name. Public records include items like repossessions, foreclosures and bankruptcies.