Skip to content
https://annualcreditreport.com

Performance

· 17 checks — Lighthouse + waterfall + sustainability rolled into one auditable list.
SCORE
88
GRADE
B
FIX
2
REVIEW
5
PASS
8
INFO
2

Performance-focused optimization plan with CWV assessment, top offenders, and time estimates

Mobile Desktop
71
Performance Overall performance score (0–100) based on Core Web Vitals and other metrics. 90+ is good.
100
Accessibility Measures how accessible the page is for users with disabilities. Checks color contrast, ARIA labels, and semantic HTML.
92
Best Practices Checks for modern web development best practices including HTTPS, no console errors, and secure JavaScript.
100
SEO Measures basic SEO optimizations: meta tags, crawlability, link text, and mobile friendliness.

First Contentful Paint First Contentful Paint — how long until the browser renders the first piece of content. Under 1.8s is good.

2.82 s

Largest Contentful Paint Largest Contentful Paint — how long until the largest visible element loads. Under 2.5s is good.

7.10 s

Total Blocking Time Total Blocking Time — total time the main thread was blocked, preventing user input. Under 200ms is good.

0 ms

Cumulative Layout Shift Cumulative Layout Shift — measures visual stability. How much the page layout shifts during loading. Under 0.1 is good.

0.000

Speed Index Speed Index — how quickly content is visually displayed during load. Under 3.4s is good.

2.82 s

Time to Interactive Time to Interactive — how long until the page is fully interactive and responds to user input. Under 3.8s is good.

7.28 s

Page Load Progression

375 ms
750 ms
1.1 s
1.5 s
1.9 s
2.2 s
2.6 s
3.0 s
Checks
17
8 PASS 5 REVIEW 2 FIX
D
Third-Party Impact
Action
100% third-party, 0 ms blocking
FIX
100% third-party, 0 ms blocking
Warning::
Third-party code accounts for 100% of page weight (1.2 MiB of 1.2 MiB)
Info::
Third-party blocking time is low (0 ms)
100%
First-party Third-party
D
HTTP Caching
Action
no-store (uncacheable)
FIX
no-store (uncacheable)
Info::
Cache-Control: no-store prevents all caching
Intentional for dynamic content, but increases server load for every page view.
Got: max-age=0, no-cache, no-store
Info::
No ETag or Last-Modified header
Conditional requests (304 Not Modified) are not possible without validators.
Cache-Control

max-age=0, no-cache, no-store

DirectiveValueMeaning
max-age0Cache for 0 seconds
no-cache—Cache but always revalidate first
no-store—Never cache this response
B
Page Weight Budget
1.2 MB transferred, 26 requests
REVIEW
1.2 MB transferred, 26 requests
Info::
Page weighs 1.4 MB (1.2 MB transferred)
Warning::
Images are 1.1 MB — compress or use modern formats
Convert images to WebP/AVIF and resize to display dimensions to reduce transfer size.
Got: 1.1 MB
Info::
26 HTTP requests
Info::
Estimated 0.25 g CO2 per page load
1.2 MB / 2.4 MB budget
1.2 MB transferred
26 requests
0.25 g CO2 per page load
Images 1.1 MiB 92%
JavaScript 62.1 KiB 5%
CSS 23.4 KiB 2%
HTML 5.8 KiB 0%
Other 2.5 KiB 0%
0 2.4 MB 4.9 MB
Under budget

Convert images to WebP/AVIF and resize to display dimensions to reduce transfer size.

Why this matters

Image bandwidth is high — modern formats (WebP/AVIF) and resizing typically cut it 50%+.

Source: web.dev

C
Image Optimization
Action
12 images, 0 KB saveable
REVIEW
12 images, 0 KB saveable
Warning::
https://www.annualcreditreport.com/resources/stati... is missing width/height — may cause layout shift
Set explicit width and height to prevent CLS.
Warning::
https://www.annualcreditreport.com/resources/stati... is missing width/height — may cause layout shift
Set explicit width and height to prevent CLS.
Warning::
https://www.annualcreditreport.com/resources/stati... is missing width/height — may cause layout shift
Set explicit width and height to prevent CLS.
Warning::
https://www.annualcreditreport.com/resources/stati... is missing width/height — may cause layout shift
Set explicit width and height to prevent CLS.
Warning::
https://www.annualcreditreport.com/resources/stati... is missing width/height — may cause layout shift
Set explicit width and height to prevent CLS.
Warning::
https://www.annualcreditreport.com/resources/stati... is missing width/height — may cause layout shift
Set explicit width and height to prevent CLS.
12 images 1.1 MB
0 oversized -0 KB
12 legacy format
6 missing dimensions CLS risk

Set explicit width and height to prevent CLS.

Why this matters

Image without explicit width/height — browser can't reserve space; CLS jumps when image loads.

Source: web.dev / Core Web Vitals

Set explicit width and height to prevent CLS.

Why this matters

Image without explicit width/height — browser can't reserve space; CLS jumps when image loads.

Source: web.dev / Core Web Vitals

Set explicit width and height to prevent CLS.

Why this matters

Image without explicit width/height — browser can't reserve space; CLS jumps when image loads.

Source: web.dev / Core Web Vitals

Set explicit width and height to prevent CLS.

Why this matters

Image without explicit width/height — browser can't reserve space; CLS jumps when image loads.

Source: web.dev / Core Web Vitals

Set explicit width and height to prevent CLS.

Why this matters

Image without explicit width/height — browser can't reserve space; CLS jumps when image loads.

Source: web.dev / Core Web Vitals

Set explicit width and height to prevent CLS.

Why this matters

Image without explicit width/height — browser can't reserve space; CLS jumps when image loads.

Source: web.dev / Core Web Vitals

B
JS Bundles
6 scripts, 0 KB unused
REVIEW
6 scripts, 0 KB unused
Warning::
https://www.annualcreditreport.com/resources/stati...: unminified — 6 KB could be saved
Warning::
https://www.annualcreditreport.com/resources/stati...: unminified — 4 KB could be saved
0 KB unused JavaScript

Downloaded but never executed on this page.

ScriptSizeUnusedMinifiedParty
https://www.annualcreditreport.com/resources/static/js/jquery-3.7.1.min.js31 KB—✓3rd
https://www.annualcreditreport.com/resources/static/js/jquery.bxslider.v4.js13 KB—✗3rd
https://www.annualcreditreport.com/resources/static/js/datepicker.v2.js10 KB—✗3rd
https://www.annualcreditreport.com/resources/static/js/ui.js3 KB—✓3rd
https://www.annualcreditreport.com/resources/static/js/functions.v7.js4 KB—✓3rd
https://www.annualcreditreport.com/resources/static/js/jQuery.browser.mobile.js2 KB—✓3rd
B
Page Weight Inventory
26 resources · 1.2 MB · 0 KB savings available
REVIEW
26 resources · 1.2 MB · 0 KB savings available
Warning::
Page weight 198 KB over 1MB target
Got: 1.2 MB Expected: ≤ 1 MB
Warning::
25 third-party resources (100% of weight)
Info::
3 resources over 200KB
26 resources · 1.2 MiB · 25 third-party 197.7 KiB over 1MB target
Image 92% · 1.1 MiB
JavaScript 5% · 62.1 KiB
CSS 2% · 23.4 KiB
Document 0% · 5.8 KiB
Other 0% · 850 B
C
Green Hosting
Action
Whether the site is served from green-energy infrastructure
REVIEW

Green Hosting

No green hosting detected

A+
Text Compression
All text resources are compressed
PASS
All text resources are compressed
Info::
All text resources are compressed
All text resources are properly compressed.
A+
JS Execution Cost
472ms total JS execution
PASS
472ms total JS execution
Info::
Unattributable: 193ms CPU time
Info::
https://www.annualcreditreport.com/resources/stati...: 155ms CPU time
Info::
https://www.annualcreditreport.com/index.action: 123ms CPU time
Warning::
Third-party scripts: 472ms (100% of total)

Main Thread Breakdown

Other 44% Script Evaluation 28% Style & Layout 15% Script Parsing & Compilation 6% Parse HTML & CSS 5%
ScriptTotalScriptingParse/CompileParty
Unattributable193ms7ms0ms3rd
https://www.annualcreditreport.com/resources/static/js/jquery-3.7.1.min.js155ms121ms11ms3rd
https://www.annualcreditreport.com/index.action123ms4ms1ms3rd
A+
Font Loading
No web fonts (system fonts)
PASS
No web fonts (system fonts)
Info::
No web fonts loaded — system fonts are fastest
No web fonts loaded — system fonts are optimal.
A+
Resource Caching
All resources properly cached
PASS
All resources properly cached
Info::
No caching issues found
All static resources have appropriate caching headers.
A+
Critical Rendering Path
No render-blocking resources
PASS
No render-blocking resources
Info::
No render-blocking resources detected
A+
Resource Hints
No optimization needed
PASS
No optimization needed
Info::
No resource hint issues
A+
Render-Blocking Resources
No render-blocking resources detected
PASS
No render-blocking resources detected
Info::
No render-blocking resources detected in <head>
A+
Third-Party Resources
No third-party resources detected
PASS
No third-party resources detected
Network Waterfall
26 requests over 237ms
INFO
0 ms 1.0 s 2.0 s 3.0 s 4.0 s 5.0 s 6.0 s 7.0 s FCP 2.8 s LCP 7.1 shttps://annualcreditreport.com// https://annualcreditreport.com/ — 301 — 356 B — 11 ms — http/1.1https://www.annualcreditreport.com/www.annualcreditreport.com/ https://www.annualcreditreport.com/ — 301 — 494 B — 21 ms — http/1.1https://www.annualcreditreport.com/index.actionwww.annualcreditreport.com/index.ac... https://www.annualcreditreport.com/index.action — 200 — 5.8 KiB — 37 ms — http/1.1https://www.annualcreditreport.com/resources/static/css/cssreset-min.csswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/css/cssreset-min.css — 200 — 1.3 KiB — 11 ms — http/1.1https://www.annualcreditreport.com/resources/static/css/main.v9.csswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/css/main.v9.css — 200 — 14.5 KiB — 23 ms — http/1.1https://www.annualcreditreport.com/resources/static/css/mobile.v3.csswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/css/mobile.v3.css — 200 — 5.3 KiB — 22 ms — http/1.1https://www.annualcreditreport.com/resources/static/css/jquery.bxslider.v3.csswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/css/jquery.bxslider.v3.css — 200 — 2.3 KiB — 21 ms — http/1.1https://www.annualcreditreport.com/resources/static/js/jquery-3.7.1.min.jswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/js/jquery-3.7.1.min.js — 200 — 30.5 KiB — 40 ms — http/1.1https://www.annualcreditreport.com/resources/static/js/jquery.bxslider.v4.jswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/js/jquery.bxslider.v4.js — 200 — 13.0 KiB — 31 ms — http/1.1https://www.annualcreditreport.com/resources/static/js/datepicker.v2.jswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/js/datepicker.v2.js — 200 — 10.1 KiB — 28 ms — http/1.1https://www.annualcreditreport.com/resources/static/js/ui.jswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/js/ui.js — 200 — 2.6 KiB — 27 ms — http/1.1https://www.annualcreditreport.com/resources/static/js/functions.v7.jswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/js/functions.v7.js — 200 — 3.7 KiB — 31 ms — http/1.1https://www.annualcreditreport.com/resources/static/js/jQuery.browser.mobile.jswww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/js/jQuery.browser.mobile.js — 200 — 2.2 KiB — 27 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/menu-icon.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/menu-icon.png — 200 — 1.0 KiB — 12 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/logos/ACR-logo-colour.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/logos/ACR-logo-colour.png — 200 — 15.7 KiB — 16 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/warning.v1.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/warning.v1.png — 200 — 8.2 KiB — 11 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/banner1.v1.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/banner1.v1.png — 200 — 181.8 KiB — 25 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/banner2.v1.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/banner2.v1.png — 200 — 287.4 KiB — 46 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/banner3.v1.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/banner3.v1.png — 200 — 237.7 KiB — 46 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/banner4.v1.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/banner4.v1.png — 200 — 250.7 KiB — 45 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/banner5.v1.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/banner5.v1.png — 200 — 108.1 KiB — 38 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/logos/transunion.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/logos/transunion.png — 200 — 2.7 KiB — 21 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/logos/equifax.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/logos/equifax.png — 200 — 20.4 KiB — 12 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/logos/experian.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/logos/experian.png — 200 — 7.8 KiB — 15 ms — http/1.1https://www.annualcreditreport.com/resources/static/images/logo.pngwww.annualcreditreport.com/resource... https://www.annualcreditreport.com/resources/static/images/logo.png — 200 — 6.4 KiB — 9 ms — http/1.1https://www.annualcreditreport.com/favicon.icowww.annualcreditreport.com/favicon.... https://www.annualcreditreport.com/favicon.ico — 200 — 1.7 KiB — 9 ms — http/1.1
HTML JavaScript CSS Images Fonts XHR/Fetch Other
Third-Party Script Cost
Per-script blocking time, transfer cost, and cache headers
INFO
100% of JavaScript execution is third-party
First-party Third-party 472ms · 36KB · $6/mo
Unattributable
Other
Optional
Execution 193ms
Transfer 0 KB
Monthly Cost $3/mo
www.annualcreditreport.com
Other
Optional
Execution 155ms
Transfer 31 KB
Monthly Cost $2/mo
www.annualcreditreport.com
Other
Optional
Execution 123ms
Transfer 6 KB
Monthly Cost $2/mo

100% of JavaScript execution time is spent on third-party scripts. Consider auditing which scripts are essential.

Why this matters

When third-party JS execution time exceeds your own, performance gains from frontend work are capped by code you don't own.

Learn more ▾

Every millisecond of third-party JS competes with your own for main-thread time. If their share is bigger than yours, optimization on your code base barely moves the needle. Audit, defer, or remove third-parties before further frontend optimization. Use Lighthouse's third-party audit to identify the worst offenders.

Source: web.dev

How third-party costs are calculated

All checks on this page are automated. Results are estimates - run targeted manual reviews when the score affects a release decision.

Send Feedback