How often should I check my credit report?
Review the report date when comparing credit information. In CreditRefresh, opening Home can start a results check when one is due, and Refresh may reuse recent reports instead of obtaining a new report immediately.
Review the report date when comparing credit information. In CreditRefresh, opening Home can start a results check when one is due, and Refresh may reuse recent reports instead of obtaining a new report immediately. The Credit reports page describes updates about once a week, subject to account eligibility and provider availability. A browser reload is not the same action as a fresh bureau pull. For an overdue or missing report, have support check the actual pull result.
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Your three credit scores differ because the bureaus — Equifax, Experian, and TransUnion — operate independently, receive different data from different creditors, update on different schedules, and feed that data into different scoring models. Gaps of 10 to 50 points are normal. Bigger gaps usually signal that one bureau is missing information or has a reporting error worth disputing.
A soft pull is a credit check that doesn't affect your score and isn't visible to other lenders — covering things like checking your own credit, pre-approval offers, and the pulls CreditRefresh runs on your reports. A hard pull is a credit check tied to a credit application that does affect your score, usually by a small amount, and stays visible to lenders for two years.
Identity theft happens when someone uses your personal information to open accounts or make purchases in your name. Signs on your report include unfamiliar accounts, hard inquiries you don't recognize, addresses you've never lived at, and collections for debts that aren't yours. Active theft requires filing an FTC report at IdentityTheft.gov, freezing your credit, and disputing fraudulent items.
CreditRefresh protects your data with encrypted HTTPS connections, encryption at rest, AES-256 encryption on the full copy of each credit report in the CreditRefresh database, and card payments tokenized by the payment processor. CreditRefresh does not sell your personal information for money. In Settings you can turn on two-factor authentication, download your data and delete your account.