Your Free Credit Report Card — a quick snapshot of your credit report details

Free Credit Report Card

Sign up for a free account and, in addition to getting two free credit scores, you’ll get your very own credit report card that tells you how you’re doing in the five key areas that are included on your credit report and determine your credit score - payment history, debt usage, credit age, account mix and inquiries. Plus, you can compare your grades to those of other users. Get started »

What is your
payment history?

See if any negative information is showing up in your credit file, including late payments or actions from collection agencies. Your free credit report card gives you an easy way to spot mistakes early and easily and take action when necessary.

Free Credit Report Card - Payment History
Free Credit Report Card - Debt Utilization

How effectively are you using available credit?

Find out what percentage of your available credit you’re using (also known as debt utilization), the number of credit card accounts being tracked and your overall credit limit. The lower your debt usage, the higher your score.

Do you know your
credit age?

Discover your credit report “birthday,” which is the date you opened your oldest credit account. Plus, track the average age of all your credit accounts combined. The older your accounts, the better for your credit score.

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

What is your
account mix?

It’s good to have a mix of credit and loan accounts. Your free credit report card will show you all the accounts that show up in your credit report, including auto loans, student loans, mortgages and revolving credit accounts.

How many hits to your credit report?

Every time you apply for credit, it shows up as an inquiry (or hit). Your free credit report card gives you an overview of how many inquiries you have made and our experts provide tips on how to shop for credit while minimizing that number.

Free Credit Report Card - Number of Inquiries

Our Free Credit Report Card Provides:

  • A letter grade breakdown of your credit report to help you easily understand the information.
  • Personalized advice from our experts to help you achieve your credit goals.
  • Free updates every month.
  • No credit card required. Ever.

Our Free Credit Report Card: The Ultimate Companion to Your Credit Report.


No Credit Card Required