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See what may be wrong on your credit report, free.

Upload your report. In about a minute, AI reads every account and checks it against the rules lenders use to report. No account needed, and we don't save your report.

  1. Get your free report
  2. Upload it here
  3. See what may be wrong
Drop your report here, or tap to choose a file PDF or photo, up to 10 MB

Your report is read to find problems and is not saved.

What the check-up looks for
  • Paid or sold accounts that still show a balance
  • Collections with no first-delinquency date, or a $0 balance still shown as active
  • Charge-offs also listed as collections for the same debt
  • The same account reported differently at different bureaus
  • Duplicate accounts and items past the 7-year reporting period
  • Past-due amounts larger than the balance

Don't have your report? Get all three free at annualcreditreport.com.

Want to see the app first? Try the live demo