Your mobile number and your date of birth. No security quiz about a car loan from 2014, no waiting for a letter in the mail, no new password to remember. Early access is free.
Why this is faster. Most free-score sites prove who you are with a knowledge quiz or a code sent by post, and many people get stuck there. We confirm your identity through your mobile carrier instead: the number you type must be a real mobile line registered to you. That check takes seconds, and a licensed credit-data partner then releases your own report and score to you. It is a soft inquiry, so looking never lowers your score.
We check with your carrier that the line is real and belongs to you. If a one-time text is needed, it is the only one you will get.
You give written instructions to our credit-data partner to fetch your own report. That is what the law requires, and it is one tap.
Your score, the accounts behind it, anything that looks wrong, and plain-language next steps. Come back any time for a refresh.
We are finishing the connection to our credit-data partner. Leave your details and we will email you the moment your check is ready. Early access is free.
Not to start. Your mobile number and date of birth identify you to the carrier and to our credit-data partner. If the partner cannot match you from those alone, it may ask for the last four digits, and it will ask you directly, never us.
No. This report is yours. If an employer asks you to verify your identity through VeriAxis, that is a separate one-minute check that confirms your phone number only and never touches your credit.
The score model and bureau depend on the partner connection we launch with; the page will say exactly which before you run a check. Lenders use several models, so treat any single number as a guide, not a verdict.
VeriAxis verifies identities for employers. Helping people see their own picture first is good for everyone in that process, and early users tell us what to build next. If we ever add a paid option, the basic check stays free.