Why Can't I See My Credit Score on My Credit Report?

Credit reports and scores are so closely related, you might think that where you find one, you’ll find the other. But that isn’t always the case: You won’t find a credit score on your free annual credit reports. If you pulled your reports looking for a score but don’t see one, you’re still on the right track. Reviewing your credit report gives you valuable insight into your credit standing. This can help you make sense of your three-digit credit score.

Learn more about your credit report and score so you can understand how to review both to help understand your overall credit health:

Credit report & score: How do you find & check them?

You can get your credit report for free from each of the three major credit bureaus every week through the end of 2023. Get started at AnnualCreditReport.com. You can also get your TransUnion credit report through our free TransUnion Service Center or a paid credit monitoring subscription. Once you get your report, take a few minutes to review it to be sure all the information is accurate. If you do find anything that’s incorrect, you can dispute the errors through the TransUnion Service Center.  

You will not find your credit score on your report, but there are several ways to access it. Credit scores are available to consumers from different sources including banks, credit unions and credit monitoring services. You can also purchase a one-time VantageScore® 3.0 score for $0.99 through the TransUnion Service Center. Simply create an account or log into your existing account to get started.

What’s on your credit report?

Your credit report includes personal information, credit inquiries, open and closed credit accounts, your payment history and public records like bankruptcies, if you have any. All this information is part of your data identity, and you should manage it carefully to make sure you’re accurately represented in the credit marketplace.

Lenders often use credit reports to help them decide if they’ll approve a credit application. The information helps potential lenders understand your history of managing credit. It’s important to remember that credit reporting agencies like TransUnion don’t make lending decisions.

How your credit report relates to your credit score

As companies that you do business with report payments and other information such as account openings and closings to TransUnion, your score will likely fluctuate. Much of the information in your report is used to calculate your credit score. Your score can change when information in your report changes. Keep in mind there are many scoring models. Each one varies, and lenders may use a score that is different from the one that you get from TransUnion or from another source. You’ll likely find that the score you see in one place is different from another.

Small credit score changes may not be cause for concern, but you'll want to look into an unexpected change. If your score drops, it’s a good idea to pull your credit reports to identify the reason.

Does a credit report show your credit score?

No, a credit report doesn’t include your credit score, but both are important to review on a regular basis. Credit scores are generated based on data in your credit report. If you see a change in your score, it’s likely due to changes on your report. That’s why checking your credit report and score are important healthy habits.

If you'd like help understanding your credit report, TransUnion's credit report guide breaks down each section of your report and explains how the information may impact your credit score.