What are my credit reports?

Credit reports provide information about your credit history. The three major consumer credit bureaus – Equifax, Experian and TransUnion – use information to create your credit reports. On Credit Karma we break down your TransUnion and Equifax credit reports and highlight areas you may want to review.

To help you better understand your financial health, Credit Karma provides free access to your credit reports from:

• TransUnion
• Equifax

Keep in mind that the information in your credit reports may not change each time you login on Credit Karma. Creditors typically report new information (like new balances or payment activity) to the credit bureaus every 30 days, but the frequency of updates can vary by creditor.

For your Equifax and TransUnion credit reports, we highlight important items to help make the reports easier to understand. When reviewing your TransUnion and Equifax credit reports on Credit Karma, you’ll see information such as:

• Credit Inquiries
• Credit factors whether your payments are current and how many accounts you have in good standing
• Your VantageScore 3.0 credit score from TransUnion and Equifax  

Knowing what’s in your credit reports can help you determine how to build your credit and checking your credit reports regularly can also help you spot any errors or signs of possible identity theft.

Not seeing a recent change on your credit reports on Credit Karma? Here’s more information about why this might be the case.