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    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 https://www.stilt.co. If you have any questions, send us an email at team@stilt.co.

    Footnotes

    [1] How Credit Scores Work

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

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