Check Your Credit
Get Your Credit Report from All Three Bureaus
Before applying for financing, it helps to know exactly where your credit stands. Reviewing your 3-bureau credit report and FICO® Scores gives you a complete view of your credit profile, helps you identify potential issues early, and shows you exactly what lenders see when evaluating your application.
Through our partner MyScoreIQ, you can access your full credit reports and FICO® Scores from Experian, Equifax, and TransUnion. Start with a 7-day trial for $1, then continue at $29.99 per month if you decide to keep the service. You can cancel at any time.
Included features:
- 3-Bureau credit reports and FICO® Scores
- 1-Bureau daily monitoring and alerts
- Dark web and internet monitoring
- Fraud restoration and lost-wallet protection
- Up to $25,000 in identity theft insurance coverage*
Checking your credit through MyScoreIQ is a soft inquiry, meaning it will not affect your score.
Check Your Credit – $1 Trial
Why You Need All Three Credit Bureau Reports
Different lenders rely on different credit bureaus. Checking only one report can leave blind spots or errors unnoticed.
You could miss:
- Credit report errors that appear on only one or two bureaus
- Fraudulent accounts not yet reported to all three
- Score differences of 20–50 points between bureaus
Your FICO® Score may vary between Experian, Equifax, and TransUnion because each maintains its own version of your credit history. Reviewing all three ensures no surprises when you apply for a mortgage, auto loan, or line of credit.
Frequently Asked Questions
Will checking my credit report hurt my score?
No. Checking your own credit report through MyScoreIQ is a soft inquiry and does not impact your credit score.
How often should I check my credit report?
Experts recommend reviewing your credit reports from all three bureaus at least once a year—or more frequently if you are preparing to apply for financing. MyScoreIQ provides daily monitoring so you receive alerts whenever changes occur.
What’s the difference between a credit report and a credit score?
A credit report details your accounts, payment history, and public records. Your FICO® Score is a three-digit number derived from that data that shows lenders how you manage credit.
Why do I need FICO® Scores instead of other scores?
FICO® Scores are used by 90% of top lenders when making credit decisions. Other free services often provide educational scores that differ from the ones lenders use.
Can I cancel after getting my credit reports?
Yes. You can cancel during the 7-day trial if you only need your reports, or keep the service for ongoing monitoring and protection.
Is my personal information safe?
MyScoreIQ uses bank-level encryption and industry-leading security protocols. The service includes identity theft insurance and U.S.-based fraud restoration support.
What You’ll See in Your 3-Bureau Credit Report
When you access your reports, you’ll see:
- Personal identifying information
- Credit accounts and payment history
- Credit inquiries (hard and soft)
- Public records, if applicable
- Credit utilization ratios
Understanding your complete credit profile across all three bureaus helps you correct errors, monitor for fraud, and strengthen your financial position.
Start Monitoring Your Credit Today
Do not wait until a loan application to discover errors or unauthorized accounts. Check your credit now and stay informed.
Check Your Credit – $1 Trial
FICO® is a registered trademark of Fair Isaac Corporation. Identity theft insurance and related services are provided by MyScoreIQ and subject to their terms.
We may earn a small referral fee, at no extra cost to you, if you use this service.
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