Free Credit Report

A quick snapshot of your free credit report details

Free Credit Report Summary - Payment History

What is your payment history?

Are you on top of your bills? Do you make sure to pay everything early or on time? This is one thing that your creditors look at. 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. See it now »

How effectively are you using available credit?

Have you ever wondered how using your credit affects your credit score? With so many misconceptions about carrying balances month to month, this can be confusing. Your credit utilization, or how much of your credit you use, makes up 30% of your credit score. Interested in paying down those high balances? Let us show you how by coming up with a personalized game plan. See it now »

Free Credit Report Summary - Debt Utilization
Free Credit Report Summary - Number of Inquiries

How many hits to your credit report?

Trying to get approved for that new car you’ve been eyeing? What about a home loan? Or even just a credit card? 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. Applying for credit too frequently is a red flag to creditors. 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. See it now »

Do you know your credit age?

In credit, age is more than just a number. The longer your credit history, the better your credit score. This counts for 15% of your score. Just getting started? We can show you how to age yourself (gracefully). If you’re curious, check out your credit age here. See it now »

Free Credit Report Summary - Age of Accounts
Free Credit Report Summary - Account Mix

What is your account mix?

We always hear that it’s good to diversify. Your credit is no different. The mix of accounts you have—your student loans, auto loans, mortgages, and revolving credit cards make up 10% of your credit score. Creditors like to see this mix because it shows them you’re capable of handling all types of accounts. Want to see where you’re at? Your free credit report card will show you. See it now »