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Credit reports

Three bureaus. Three scores. One report.

Your full credit reports and scores from Equifax, Experian and TransUnion.

Equifax, Experian and TransUnionVantageScore 3.0Refreshed every 30 days
Credit reportVantageScore 3.0
EquifaxEquifax4Very Good741
ExperianExperian9Good722
TransUnionTransUnion6Very Good758
Score history12 months
EquifaxEquifax
ExperianExperian
TransUnionTransUnion
Bureau by bureau

Every account, and every detail.

Each bureau keeps its own file on you, and lenders don’t always report to all three. A balance can be a month stale at one, a limit missing at another, a whole account known to only two. Zypper lays the three reports side by side, account by account, and marks every detail they disagree on, so a mistake that’s costing you points can’t hide in the one report you didn’t check.

Chase SapphireCredit card · Opened Mar 2018Current
Details by bureau
EquifaxExperianTransUnion
Balance$1,240$1,240$1,318
Credit limit$5,400—$5,400
Payment statusCurrentCurrentCurrent
OpenedMar 2018Mar 2018Mar 2018
Last reportedSep 12Sep 12Aug 14
A dot marks a detail the bureaus disagree on
SoFiPersonal loan · $9,210EquifaxExperianTransUnion
On 2 of 3 reportsExperian has no record of it
What’s in the report

Your whole file, not just the score.

Every open and closed account with two years of payment history, every hard inquiry and how long it has left, public records, and the names, addresses and employers the bureaus have on file. Each entry opens to its full detail, in plain words.

Accounts4 open24 months
Chase SapphireCredit card$1,24023% of $5,400
Current
Toyota Motor CreditAuto loan$18,42041% paid off
Current
Every account, two years deepCards, loans and mortgages, open or closed, each with its balance, limit, status and the last 24 months of payments as a strip. A late month stands out in red.
Inquiries3 hard inquiriesHard inquiry
American ExpressFalls off in 17 monthsExperianFeb 14
Capital OneFalls off in 16 monthsEquifaxJan 7
CarMax Auto FinanceFalls off in 14 monthsTransUnionNov 22
Weighs less on your score as it ages
Hard inquiries, with an expiryWho pulled your credit, when, and on which bureau. Each inquiry shows how long it has left on your report, and that it weighs less on your score as it ages.
Public recordsChecked at all three bureausNone
EquifaxEquifaxNo public records
ExperianExperianNo public records
TransUnionTransUnionNo public records
A clean file says so plainly
Public records, bureau by bureauBankruptcies, if a bureau has one on file, with the court behind it and the bureau reporting it. Collections and charge-offs sit with your accounts, in a group of their own.
Personal informationAs the bureaus have itEquifaxExperianTransUnion
NamePriya K.
Current address1428 Maple Ave, Portland, OR
Previous address88 Harbor St, Boston, MA
EmployerLumon
The identity on fileThe names, current and previous addresses and employers each bureau has for you. A name you never used or an address you never lived at is often the first sign of a mix-up, or of fraud.
Insights

What’s moving your score, and what would move it even more.

Every report comes with insights built from your own data and the score factors the bureaus supply: what’s helping, what’s hurting, and how much it matters. Recommendations turn that into concrete moves, each with its estimated effect in points. A new report brings new insights.

InsightsFrom your latest report
Lower your utilizationCards using more than 30% of their limit+18 pts
Keep old accounts openAverage account age lifts your score+12 pts
Strong payment historyOn time across every accountHelping
Recent hard inquiriesThree in the last year, fadingHurting
ZypperScore updatedExperian · 722 · up 9 points since your last reportnow
FAQ

Credit report questions, answered.

More in the help center

Your credit, accounted for.

Everything in Zypper, plus your reports and scores from all three bureaus, refreshed every 30 days.

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