NerdWallet might be worth a look if you are interested to see your credit score. NerdWallet offers a free credit score between 670 to 739, based on TransUnion's VantageScore 3.0. You can review your score once a day and sign up for email notifications when it changes.
NerdWallet is able to calculate credit scores between 670 - 739
NerdWallet states that a good credit rating is anywhere from 670 to 739. A score between these levels is considered good, while those between 669 and 679 are considered fair. Anything above 800 is exceptional. NerdWallet only uses an approximate range of credit scores. This should not be considered as a definitive guideline. The average credit score, as of August 2022, was 716. This falls within the acceptable range.
Lenders are more likely to give competitive rates to borrowers with high credit scores. However, if your credit score falls between 670 and 739, lenders may not offer you the same low interest rate and may require a higher down payment.
It is based off a VantageScore of 3.0 from TransUnion
NerdWallet uses a VantageScore3.0 credit scoring model from TransUnion. This score ranges in value from 300 up to 850, and is based off information found in a free credit file. While the scoring system has changed over time the basic information has remained constant.
VantageScore 4.0 models incorporate trended data, which looks at credit usage over time. It also considers medical debt in collections less harshly than the 3.0 model. Both VantageScore models employ machine learning to calculate consumers' credit scores. NerdWallet gives you a credit score for free based upon a VantageScore 3.0 TransUnion.
It is updated once a week
NerdWallet credits scores are updated weekly based on TransUnion credit reports. The Credit Score dashboard allows you to access all of this information. It gives you access also to your entire credit file. You can also manage all aspects of your money through the suite of dashboards that are available, such Net Worth. In addition, you can even connect all of your financial accounts with NerdWallet. If you're unsure whether your credit score is accurate, you can access your credit report for free at NerdWallet.
A missed payment could result in 100 points being removed from your credit rating. Setting up auto-payment for your bills can help you avoid missing a payment. Collection accounts and lawsuit judgments can also affect your credit score. Identity theft can also cause credit damage. You can protect your identity theft by checking your credit reports for free. NerdWallet offers free credit reports and credit scores for up to eight years.
It will alert you to any changes in your TransUnion credit report
NerdWallet is an alert service that notifies you of any changes to your TransUnion free credit file. It monitors your credit for changes and helps understand the impact of those changes on credit scores. NerdWallet also provides credit analysis and personal insights that can help you make wise financial choices.
There are several ways to dispute inaccurate credit information. TransUnion can first be contacted with a dispute. In most cases you can wait 30 days for a response. You can also view the TransUnion website to verify the status and request a response.