--- description: "VeraScore is a financial health tool that gives you a clearer picture of your money: a score out of 100 built from six factors, with what moves it explained." title: VeraScore | Know where you stand. Build toward what's next. --- [VSVeraScore™](https://www.myverascore.com/consumer?hsLang=en) [For consumers](https://www.myverascore.com/consumer?hsLang=en) [For lenders](https://www.myverascore.com/lenders?hsLang=en) [Contact](https://www.myverascore.com/contact?hsLang=en) [Get early access](https://members-portal.myverascore.com/login) For you # Know where you stand. Build toward what’s next. VeraScore™ is a financial health tool that gives you a clearer picture of your money. It looks at your income, spending, savings, debt and bill payments, gives you a score out of 100, explains what moves it, and helps you track your progress month over month. [Get early access](https://members-portal.myverascore.com/login) Checking your VeraScore never affects your credit score. Setup includes a soft credit pull, which doesn’t show up to lenders, and is why we ask for your SSN or ITIN. ![Verascore Dashboard](https://www.myverascore.com/hs-fs/hubfs/verascore-dashboard-hero.webp?width=1000&height=815&name=verascore-dashboard-hero.webp "Verascore Dashboard") What you’ll learn ## The six factors behind your score. Six factors, each scored on its own, so you know exactly which habits are helping, which are holding you back, and where to start. ### Cash Flow Whether the money coming in each month covers the money going out. ### Payment History Whether your bills and loan payments arrive on time, consistently. ### Debt to Income How much of your monthly income before taxes goes to debt payments like loans and credit cards. ### High-Interest Debt Whether you’re clearing expensive balances like credit cards, rather than carrying them month to month. ### Cash on Hand How much you could reach today if something unexpected came up. ### Savings Whether your savings are growing month over month, not just sitting still. Each factor comes with a plain-language explanation of what moved it. - Up to 2 years of history - Score updates monthly - Data refreshes daily Getting started ## Three steps to your VeraScore. 1 #### Create your account Set up your profile with your contact details, annual income before taxes, and your SSN or ITIN, which we use for a soft credit pull. A soft pull never affects your credit score. 2 #### Connect your financial accounts Connect checking, savings, credit cards, loans, 401(k) and investment accounts through Plaid. You need at least three connected accounts to get a score; the more complete the picture, the more accurate the score. 3 #### View and improve your score See your VeraScore, your six factors, and up to two years of score history. ## Your data stays yours ### View-only VeraScore connects through Plaid, the same infrastructure behind apps like Venmo and PayPal. VeraScore cannot move or spend money and never sees your bank password. ### You control sharing No one sees your data unless you choose to share it. Your transactions are visible only to you. ### Encrypted 256-bit encryption, with your personal information stored separately from your financial data. Nothing hidden. No selling your data. Ever. Why it matters ## A fuller picture, on your terms. ### Income that does not fit a credit file still counts Gig work, 1099 income, tips, multiple jobs, self-employment. Connect the account it lands in and it becomes part of your score. ### See your progress, whenever you want Check your score and the reasons behind it any time, and watch how this month compares with your 6-, 12- and 24-month history. ### Steady habits show up over time Consistent income and stable balances are part of what VeraScore measures, so recent progress counts, not only your past. Worth being clear about ## VeraScore does not lend money. VeraScore does not approve or deny applications and does not set rates or terms. Every lending decision stays with the financial institution. Your score is yours; what your financial institution can see is up to you. Questions ## The things people ask first. ? Does checking my VeraScore hurt my credit score? No. Checking your VeraScore never affects your credit score. You can look as often as you like. Why do you ask for my SSN or ITIN? Your SSN or ITIN is used for a soft credit pull as part of building your score. A soft pull never affects your credit score. How is VeraScore different from a credit score? A credit score uses only credit data to measure your ability to have debt. It is a static, 30-day-old snapshot of a handful of data points, focused primarily on payment history. VeraScore measures your ability to be financially responsible and to manage your financial health, as well as your capacity for current and potential debt. Can VeraScore move money in or out of my accounts? No. VeraScore cannot move money either between or to and from your financial accounts. VeraScore is strictly a read-only application with respect to your accounts and data. How does VeraScore connect to my bank? Through Plaid, a world-leading data aggregator certified to ISO 27001 and ISO 27701 and SSAE18 SOC 2 compliant, used by companies like Venmo, PayPal, Chime and SoFi. Plaid handles the authentication, so VeraScore never has access to your username or password. What can my financial institution see? Nothing, unless you are enrolled with that institution and you permission it. When you do, they can see your VeraScore, your six factors, how your score has trended over time, and the audit trail behind it. They never see your individual transactions. Those stay visible only to you. How often is my score updated? Your VeraScore is updated once a month, normally on the 10th. It can be updated at any time depending on need. Your transaction data is updated once a day so you can keep a running tab on all of your accounts in one place. How many accounts do I need to connect? Three is enough to get a score. Connecting more makes the picture more complete and the score more accurate, so it is worth adding checking, savings, credit cards, loans, 401(k) and investment accounts. Can I delete my personal data? Yes. VeraScore will comply with all valid data deletion requests in accordance with our data protection policies and applicable laws. See the Terms of Service and Global Privacy & Security links on the Profile page in the app. Does VeraScore share my data with third parties? No. VeraScore will never share your personal or financial data with anyone unless you specifically allow it, and we never sell your data. ## Ready to see where you stand? VeraScore is opening to new members in waves. Join the list and we’ll let you know when your spot is ready. [Get early access](https://members-portal.myverascore.com/login) [VSVeraScore™](https://www.myverascore.com/consumer?hsLang=en) [For consumers](https://www.myverascore.com/consumer?hsLang=en)[For lenders](https://www.myverascore.com/lenders?hsLang=en)[Privacy statement](https://www.myverascore.com/privacy?hsLang=en)[Contact](https://www.myverascore.com/contact?hsLang=en) VeraScore supplies descriptive financial-health intelligence based on borrower-permissioned account data. VeraScore is not a lender, is not a consumer reporting agency, and does not make credit decisions. The lending institution retains credit policy, underwriting judgment and adverse-action responsibility. Nothing is shared with a lender without borrower authorization. © VeraScore, Inc. 2026.