Credit Score Dashboard
How do I submit feedback to NerdWallet?
We’re always interested in your insights, ideas and questions, so feel free to email us.
Can I call someone with my questions?
We’re working on that! In the meantime, drop us an email and someone will be happy to help you.
How can I find out more about this company listed on my credit report?
For privacy and security reasons, we can’t see what’s on your credit report. You can try doing a quick online search for the company’s contact information.
What is this mark on my credit report?
Our credit report information comes directly from TransUnion, so if you want more details, check out their Credit Report Guide.
Why did my score drop?
Each credit bureau calculates scores in a different way, and we can't know exactly which factors they looked at or weighed more heavily than others. But here are a list of common things that could have caused a change:
- Closing or opening credit cards
- Applying for loans
- Using more of your available credit than you were before
- Maxing out your cards
- Sending an account into collections
Here is more information on why your score may have dropped. And don’t forget to check your credit info for errors.
When will my credit score be updated?
The short answer is that your credit score could be updated as much as once a week.
The long answer is that we pull our data from TransUnion, our credit report partner, so the score and information on your report comes directly from them. We pull that info once a week, but lenders usually report to the credit bureaus about once a month. The exact day is different from lender to lender, so we can’t always predict when accounts will be fully updated on your credit report.
I use a couple different places to check my credit score each month. Why is it different on each site?
There are different types of credit scores. We currently have the VantageScore from TransUnion, but you might have seen your FICO score somewhere else. They both use roughly the same information, but the scoring models are different – which means the scores themselves could be, too.
What is the credit simulator?
We use simulations to help you understand how your score might change if, for example, you open or close a credit card, raise your credit limits, get a mortgage or loan, etc. You’ll find the credit simulator on your credit report page.
How do I fix wrong information on my credit report?
We can’t correct the information ourselves, but you can send a dispute to TransUnion.
Here are a few articles that might also be helpful:
Where does my credit report information come from?
Our credit report partner is TransUnion, which provides your VantageScore 3.0 Score. The Transunion VantageScore provided by us is indicative of how creditors will evaluate your creditworthiness. However, please keep in mind that each lender uses it’s own proprietary formula to determine whether a consumer qualifies for the lender’s products.
How do I deactivate my NerdWallet account?
You can deactivate your account from your settings page (hover over "Hello" on the top-right corner of this page and click on “Settings”). You’ll see the “Close my account” link in the "Personal information" section.
If you can’t sign in to your account, we can deactivate your account for you. Please send us an email to firstname.lastname@example.org directly from the email that you used to create an account, and one of our team members will confirm once deactivation has taken place.
How do I unsubscribe from NerdWallet emails?
Use the "Unsubscribe" link on the bottom of the email you got from us, or go to your settings page (hover over "Hello" on the top-right corner of this page and click on “Settings”). In the "Email communications" section, you can change your email subscription settings for different kinds of emails.
How do I change my email?
Your email address is linked to all your secure info, so we can’t change it — but if you really want to use a different one, you can delete your current account and re-register. To do that, go to your settings page (hover over "Hello" on the top-right corner of this page and click on “Settings”). You’ll see the “Delete my account” link in the "Personal information" section.
Afterward, you can sign up again.
I forgot the answer to my security question. What should I do?
The answer to your security question is really important –- it helps prove you’re you and keeps your personal info out of the wrong hands. If you really can’t remember it, you’ll need to deactivate your account and re-register. We can help with that – just email us.
- I’m already a NerdWallet member. How do I reset my password?
I’m being told I don’t have enough credit history to display a credit report. What does this mean?
If you’re new to credit, you might not have a report with TransUnion (our credit score partner) just yet. It can take about 6 months to establish a credit profile.
To help you get started with building a credit history, take a look at this, and check back in a few months to retrieve your credit score again.
It says you already have my credit info on file. What does that mean?
It usually means your social security number is already linked to a different email address in our system. If you’ve used our app, you should use the same information to sign in on our website. You might have also created an account when you went through pre-qualification forms on different parts of the site.
Why do you need my social security number?
Your credit history is tracked using your social security number, so we need it to pull your credit score and reports.
I live outside the U.S. Can I create an account with NerdWallet?
No. We are a US-based company and only serve the US market.
How much does it cost me to set up a NerdWallet account?
Nada. Zilch. Zip. (It’s free.)
How secure is your site?
We’re serious about protecting your information, so we use state-of-the-art s security techniques like encryption and access controls. Your sensitive data is secured in-transit and at rest.
How do I see my credit score?
If you haven't already, register for an account here with us. We’ll need some basic info so that TransUnion, our credit score partner, can look up your history in their system. This won’t hurt your credit score.
If you already have an account, sign in and you’ll see your credit score on top of the page.
What do I get when I sign up for a NerdWallet account?
Signing up for an account gives you access to a personalized dashboard, where you can get your TransUnion VantageScore credit score and report –- all for free.
You’ll see your credit history, what impacts your credit score and the different accounts on your credit report in detail, and have access to a simulator that uses your current credit score to estimate how hypothetical changes may impact it. We’ll also send emails to let you know about any changes to your credit score, and occasional emails with helpful tips. We’re always working on rolling out new features to help you stay on top of your credit score.