NerdWallet might be worth a look if you are interested to see your credit score. It offers a credit score as low as 670, up to 739, depending on TransUnion's VantageScore3.0. 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 estimates that good credit scores range from 670 to 739. A score between these levels and 669 to 679 is considered fair. Anything above 800 will be considered exceptional. NerdWallet does not provide a complete list of credit scores. 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. Lenders might not offer the same low rate of interest to you if your credit score falls below 670 or 739. In this case, they may ask for a higher down payment.
It is based on a VantageScore 3.0 from TransUnion
NerdWallet's credit score is calculated using a VantageScore 3.0 credit scoring model by TransUnion. This score ranges in value from 300 up to 850, and is based off information found in a free credit file. The scoring model has changed over the years, but the basic information remains the same.
VantageScore's 4.0 model uses trended data to look at how credit was used over time. It also handles collections of medical debt more gently than the 3.0 version. Both VantageScore models employ machine learning to calculate consumers' credit scores. NerdWallet will give you a free credit score. This is based in part on a VantageScore3.0 from TransUnion.
It is updated every week
NerdWallet keeps your credit score updated every week based off your TransUnion credit file. This information is accessible via the Credit Score dashboard. This dashboard gives you full access to all of your credit reports. The full suite of dashboards, including Net Worth, allow you to manage your money. NerdWallet can also connect to all your financial accounts. NerdWallet offers a free access to your credit reports if you aren't sure if your credit score is correct.
A missed payment can result in 100 points being taken off your credit score. To avoid missing a bill, you can set up automatic payment. Lawsuit judgments and collection accounts can also impact your credit score. Your credit score can be damaged by identity theft. Checking your credit report regularly is a good way to protect yourself against identity theft. NerdWallet offers credit scores up to eighteen years old and free credit reports from NerdWallet.
It alerts to changes in your TransUnion Free Credit Report
NerdWallet, a free service, alerts you when your TransUnion credit reports have changed. It works by monitoring your credit report for changes and helps you understand the impact of changes on your credit score. NerdWallet also offers financial analysis and personal insights that can assist you in making wise financial decisions.
There are plenty of ways to dispute inaccurate information on your credit report. TransUnion may first respond to your dispute. You have 30 days to wait before you get a reply in most cases. You can also access TransUnion's website and check the status to your dispute.