Free Credit Report

Checking your Credit Report regularly can help you make good financial decisions. View your report to understand how you might look to a lender!

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Credit Scores and more.


Get alerted when there's an important change on your reports.


Learn what affects your credit scores and what you can do to improve them.

Better Decisions

See personalized recommendations for ways to use your credit more wisely.

Why Should You Call Us Today?

See your latest credit information

Your Credit Report captures financial information that lenders use to determine your creditworthiness. This includes the type of credit accounts, current balances, payment history, and any derogatory items you may have. You will also get a summary of your account totals, total debt, and personal information.

Free credit monitoring

Credit monitoring can help you detect possible identity fraud sooner, and can help prevent surprises when you apply for credit. Get notified when new inquiries, new accounts, public records, fraud alerts, and personal information updates are detected on your Credit Report.

Stay up-to-date

Information in your Credit Report is frequently being added, updated or deleted. Account information is typically updated every month, and each account may be updated on different days. Potentially negative items, such as collections and bankruptcies may take a month or more to appear.

Online Disputes

If you see inaccuracies on your credit report, you can use the Dispute Center to submit and track your disputes online.

What is in a Credit Score?

Payment History

Credit payment history determines 35% of a FICO Score. The first thing any lender wants to know is whether you’ve paid past credit accounts on time. This is one of the most important factors in a FICO® Score.

Credit Age

Your credit age plays a role in your final credit score. It consists of factors such as age of oldest credit account, newest credit account, average of all accounts, types of accounts (mortgage, auto loans, etc), and last time each account was used.

Credit Utilization

Your credit utilization is the ratio of the amount of your credit card balances compared to the credit limits you have available. For example, if you have $500 credit balance while your limit is $1000, then your credit utilization is 50%.

Account Mix

Accounts mix (or credit mix) involves different types of accounts that you have, such as revolving accounts, installment accounts, or open accounts. Having a mix of accounts does have an impact on your overall credit score.

Credit Inquries

When applying for credit, lenders will check your credit score (inquiry), which will impact your credit score depending on your account. A soft inquiry will not affect your score but a hard inquiry on the other hand will.