Your credit score
A score is a summary of a report. Everything on this site is about the report, because that is the thing that can actually be changed.
You probably have more than one
It is the single most useful thing to know before you go looking for your number.
Three bureaus, three files
Experian, Equifax and TransUnion each hold their own file on you. They are not copies of one another. A company that reports to one of them does not necessarily report to the other two.
More than one way to score them
Different scoring models read the same file differently, and lenders do not all use the same one. Two numbers that disagree are not evidence that either is wrong.
So the number you saw may not be the one they saw
If a free app showed you one figure and a lender quoted another, that is normal. It is worth knowing which file and which model a number came from before drawing a conclusion from it.
What we can tell you about yours
Not a number we generate: a reading of the files the number comes from.
A free credit analysis pulls your TransUnion report and score and shows you the items that may be hurting your credit.
What we do not do is quote you a score outcome. Nobody can promise a specific score change, and a number offered to you before anyone has read your report is a guess.
Related
Negative items covers what a dispute can and cannot reach. Free credit pull covers how to get your reports in front of a specialist, and the frequently asked questions cover cost, cancelling and where we work.