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A full suite of credit tools to help you build up your credit goals. You can see credit score, credit score history for past 12-months, insight into debt tradelines, calculate debt-to-income ratio, utilize a score simulator, and receive alerts based on changes to your credit profile.
  • You may need to add My Credit Manager to your dashboard. To do this, select Organize dashboard from the bottom of your dashboard and choose Add a card.
  • Once it’s added, select See more and follow the on-screen instructions to complete the enrollment process.
Your credit score is updated completely every 30 to 45 days.
Yes, as time goes on, you will see a score history build in the credit overview.
You and your spouse can see the information from all shared accounts, but having some shared accounts doesn’t allow you or them to access information about any non-shared financial accounts such as delinquencies on non-shared accounts or information from your spouse’s credit report such as their credit score or past non-shared home addresses.
Utilizing the features within My Credit Manager will not change your credit score.
The three main credit bureaus, Equifax, Experian, and TransUnion, each utilize their own scoring models and collect data independently. Because they source information from varied providers and at diverse times, inconsistencies between the credit reports furnished by these bureaus are common.
Lenders generally update their data on a monthly basis. However, the lenders may report data at various times during the month. The differences in reporting dates shouldn’t vary by more than 30 days. If you’re waiting for a specific update, such as corrected information from a dispute, note that it can take up to 45 days for the updated information to appear on your credit report.
Credit Score Simulator uses calculations that are similar to Experian, which uses the VantageScore model.
Credit Score Simulator is an educational tool that you can use for estimating the effect of certain financial actions on your credit score—but remember, they’re estimations only, not predictions. Actual results may be different.
No, users under 18 will return an invalid response and are not able to enroll
  • If you have no credit, you will not be able to complete enrollment as there's nothing to validate against with the credit bureau.
  • If you have a few credit items, it might still be difficult or you might have limited information accessible when you register.
  • If you are receiving an error while attempting to enroll, you can check annualcreditreport.com to see if you have a credit file.
To un-enroll, go to Credit Alerts scroll down, select “Unenroll My Credit Account”.
In addition to calculating credit scores themselves, the three major credit bureaus, Equifax, Experian, and TransUnion, provide detailed information about a consumer’s credit activity to other companies that calculate a credit score.

VantageScore 3.0 considers the following when calculating your score
  • Payment history (41%) Repayment behavior, such whether you pay on time or have delinquencies.
  • Age of credit (20%) How long you’ve been using credit.
  • Utilization (20%) The ratio between available credit and used credit.
  • New credit (11%) The number or recent accounts opened plus credit inquiries (hard inquiries).
  • Balance (6%) Total amount of reported debt.
  • Available credit (2%) Amount of credit available.\
  • VantageScore categories:
    • 300 – 600: Subprime
    • 601 – 660: Near prime
    • 651 – 780: Prime
    • 781 – 850: Superprime
To improve your credit score, ensure timely payments, reduce account balances, apply for new credit cards sparingly, and dispute any inaccurate information on your report.
If you see information in your credit report that you think is incorrect, you can dispute it with the creditor or the bureaus.