Experian · Equifax · TransUnion
Three bureaus.The one score that counts.
See your Experian, Equifax and TransUnion scores, the one a mortgage lender will actually use, and what to fix first.
Checking your own credit won't hurt your scores.
Likely lender score
The middle of your three scores
731
Your complete credit picture, in minutes
All three reports, the scores lenders use, and alerts when anything changes.
Watch all three move
A year of scores from each bureau on one chart, with the middle score marked. The middle is the one to watch before you apply.
Three easy steps
- 1
Create your account
Just your name, email and a password.
- 2
Confirm it's you
A few details so the bureaus can find your file securely.
- 3
See your scores
Your scores and reports show up right away.
Everything in one simple app
All 3 bureau scores
Experian, Equifax and TransUnion side by side, each labeled with the exact score model.
The score your lender uses
Mortgage lenders go by the middle of three. We show you that number up front.
Alerts when something changes
New accounts, inquiries, late payments and collections, in plain language.
Score history
A year of scores on one chart, so you can see where you are heading.
A simple to-do list
What to fix before you apply, one item at a time.
Freezes and disputes
Freeze status and free dispute tracking at every bureau in one place.
Safe, private and in your control
A credit app holds some of your most sensitive data. These rules are built in.
- Checking your own credit never lowers your scores
- Your SSN is never stored by us
- Sign in with Face ID, Touch ID or a code
- No report details in email
- No card or loan offers
- Cancel or delete your data any time
Credit guides for home buyers
Plain answers to the questions people ask before they apply.
Questions
Does checking my credit here lower my score?
No. Checking your own credit is a soft inquiry. It never affects your scores and lenders do not see it.
Which scores do mortgage lenders use?
Most lenders pull Classic FICO versions: FICO Score 2 from Experian, FICO Score 5 from Equifax and FICO Score 4 from TransUnion. Lenders selling loans to Fannie Mae and Freddie Mac may also use VantageScore 4.0. We label every score with its exact model, bureau and date.
Why is my score different in other apps?
Most free apps show one score model, often from one bureau. A mortgage lender looks at three bureaus and older FICO versions, so the number they use can be quite different from the one you are used to seeing.
What is the middle score?
For one borrower, lenders generally take the middle of the three bureau scores, or the lower of two if one bureau has no score. That is the number TRI calls your likely lender score.
What does the free plan include?
Your Experian report and VantageScore 4.0, readiness checks for that report, and the freeze and dispute organizer. No card needed. The Readiness Pass adds all three bureaus, the mortgage FICO versions, on-demand refreshes and monitoring alerts.
How do I cancel?
On the Plan page. Two taps, no phone call. You keep access until the end of the period you paid for, and we remind you seven days before any renewal.
Do you fix or remove items from my report?
No. We do not offer credit repair. We help you find errors, file disputes directly with each bureau, and track the legal 30-day clock, free.
Are you part of Experian, Equifax or TransUnion?
No. TRI is independent and is not affiliated with any credit bureau or government agency.
Ready to see your scores?
It only takes a few minutes.