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  • Official comment
    Stilt Team (Edited )

    There are 2 things - credit report and credit score.

    A credit report has all the information that bureaus provide to a third party lender/credit provider when you apply for a loan/credit card/lease etc.

    The best way to get a free credit score is through CreditKarma. They provide credit scores from Transunion and Equifax. These are not FICO scores, they are Vantage Scores[1] - a score similar to FICO [2] calculated by the three major credit bureaus using their own algorithms similar to FICO.

    The best way to get a free detailed credit report is through - Free Annual Credit Report

    This is an initiative by the government to provide free annual credit report to users from all major credit bureaus. It has a simple form where you add your personal details, SSN and detailed get credit reports from the three bureaus.

    With a combination of these 2 things, you can have a very clear and detailed view of your overall credit.

    About Stilt:

    Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future.

    We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible.

    Learn more about us on Wikipedia or visit us at If you have any questions, send us an email at


    [1] How Credit Scores Work

    [2] Get your FICO® Scores & Credit Reports From All 3 Bureaus

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