Free Credit Analysis

See what's really on your credit report

Paste your credit report data below. Our AI analyzes score factors, identifies every disputable item, and arms you with personalized templates to file disputes yourself — directly on the bureau's portal. No sign-up required.

Step 1 — Get Your Free Report
Use AnnualCreditReport.com — the ONLY federally authorized free source
You can get your free reports from all three bureaus once per year. Don't use any other "free credit report" site — this is the official one by law.
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Copy and paste your full credit report text from AnnualCreditReport.com (or any bureau). The more detail you include, the more accurate the analysis.
Your data is analyzed securely and never stored 0 characters

Analyzing Your Credit Report

Our AI is reviewing your credit data and identifying opportunities for improvement.

Parsing credit report data
Analyzing accounts and payment history
Identifying negative items and errors
Calculating score factor breakdown
Building improvement strategy
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Analysis Summary

Credit Report Analysis Complete

File Your Disputes

These are YOUR rights under FCRA. Use them.

Copy your personalized dispute text from the AI Coach above, then paste it into the bureau's online dispute form. You file it. Bureaus are required by law to investigate.

📋 Copy your dispute template → 🔗 Click the portal link below → 📝 Paste & submit → ✅ Bureau must respond in 30 days
CFPB
CFPB Debt Collector Disputes →
EFX
Equifax Open Dispute Portal →
EXP
Experian Open Dispute Portal →
TU
TransUnion Open Dispute Portal →

Get Personalized Coaching

Talk to our AI credit coach about your specific situation. Get answers to your questions and a step-by-step improvement plan.

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Upgrade to Pro for Dispute Templates

Get personalized dispute templates tailored to your specific negative items — copy, paste into the bureau portal, and file yourself.

View Pro Plans →