FreeCreditReport Applying for credit soon? Know your range first.
One free credit summary. Your score range and standing, with the factors affecting it.
Open the score breakdownIt asks for your email, then opens securely.
RangeWhat moves it
What the summary holds
1 of 5
Score range
Where your score falls, from poor to excellent.
2 of 5
Standing
What that range says about your credit right now, in simple terms.
3 of 5
Payments
Whether the bills on your file were paid on time.
4 of 5
Balances
How much of your available credit is in use.
5 of 5
Age and new accounts
How long your accounts have run, and what opened lately.
When a look pays off
Before you apply
See your range before a lender does.
While you compare offers
Read card and loan terms against where you stand.
After paying a balance down
Check which factor moved.