WalletHub

Before we get into explaining how to cancel your account, we hope that you will reconsider. WalletHub offers a number of helpful features, including free daily updates to your credit score and full credit report.

With that being said, if you still wish to delete your account, you can do it either by:

• Submitting your request through our online form;
• Sending an email to [email protected] from the email address associated with your WalletHub account. This email must include the unique ID listed on the bottom of your account's settings page. After we receive your ID, your account will be deleted.

Please note that due to the security protocols put in place to protect your account, this process can take up to 5 business days.

Thanks for giving us a try. We hope you'll come back soon!

WalletHub updates your credit score on a daily basis. So even though lenders might not report new information to TransUnion daily, WalletHub will let you know as soon as they do!

On top of that, you'll enjoy free credit reports, free credit monitoring and personalized credit analysis with your WalletHub account.​​​​​​​

You can start signing up for WalletHub here, and it takes less than two minutes.

WalletHub partners with TransUnion, one of the three major credit bureaus, so in order to access your credit report on WalletHub you'll need just to verify your identity with TransUnion by answering a few security questions. TransUnion will then compare the answers you provide to the information they have on file about you.

After completing these steps, you'll be able to access your full credit report, credit score and 24/7 credit monitoring.

Thanks again for choosing WalletHub and don't hesitate to contact us at [email protected] for any questions about our sign up process.​​​​​​​

WalletHub is a personal finance website that helps consumers reach top WalletFitness by providing:

• Free credit scores and credit reports that are updated on a daily basis.

• Free 24/7 credit monitoring and a personalized WalletFitness plan that will help you improve your credit and save money.

• Reviews on financial products, professionals and companies.

• An extensive education center coupled with the ability to ask financial experts your money-related questions for free.

Great question! For starters, credit reports don't grow on trees, and we believe that most consumers are better off focusing on a single free report than paying for all three. After all, 66% of people haven't checked even one credit report in the past 12 months, according to the National Foundation for Credit Counseling.

Most importantly, however, credit reports simply don't differ all that much from bureau to bureau. All credit bureaus get their data from so-called data furnishers, which includes lenders, collection agencies and public-record providers. The 50 largest data furnishers provide roughly 72% of the credit bureaus' information, according to the Consumer Financial Protection Bureau, and “most of the largest furnishers report all or nearly all of their trade lines to each of the largest” bureaus. So there is significant overlap between the contents of each of your major credit reports.

If you're still not convinced that one credit report is enough for most people to focus on, consider the relationship between credit reports and credit scores. We all know that a credit score is based on the contents of a given bureau's credit report. But CFPB research into a range of different credit-score models based on information from the three major bureaus shows that, “for a majority of consumers the scores produced by different scoring models provided similar information about the relative creditworthiness of the consumers.”  Furthermore, “correlations across the results of scoring models were high, generally over .90.” This proves that the underlying credit data is largely the same from bureau to bureau because truly distinct information would have produced wildly different scores – especially since the CFPB was testing a variety of different scoring models.

So, to sum things up, all three of your credit reports are important, but for most people the differences between them aren't worth trying to juggle all three. That's why we recommend using WalletHub as your everyday source of credit intelligence, while supplementing its award-winning services by ordering your Experian and Equifax reports once every year through AnnualCreditReport.com.