Credit Profile Monitoring

Under federal law, you are entitled to review your credit files via annualcreditreport.com from the primary credit bureaus: Equifax, Experian, TransUnion, and the specialty bureau Innovis.

To monitor your score without cost, use the following avenues:

• VantageScore 3.0 Providers: Services such as Credit Karma and Capital One CreditWise provide weekly updates of your TransUnion and Equifax VantageScore. While helpful for tracking credit file changes, these models are rarely used in prime underwriting, which relies almost exclusively on FICO models.

• FICO 8 and Bankcard Score Providers: Many premium credit card issuers provide free, monthly FICO 8 or specialized FICO Bankcard scores within their online banking interfaces:

  • American Express: Experian FICO 8
  • Bank of America / Discover: TransUnion FICO 8
  • Citi: Equifax FICO Bankcard 8