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Your Credit Assessment

Understand What's On Your Reports

We'll walk you through your credit reports step by step — identifying every issue, explaining what it means, how long it affects you, and exactly what you can do about it.

Step 1 of 2
First: pull your credit reports, then tell us what you see.
Your free reports are available once a year from all three bureaus at no cost. Open the link below in a new tab, pull your reports, then come back and check off what you find.
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Get Your Free Reports at AnnualCreditReport.com

This is the only official, FTC-authorized source for your free credit reports from Equifax, TransUnion, and Experian. You are entitled to one free report from each bureau every 12 months. No credit card required.

Open AnnualCreditReport.com ↗
Already have your reports? Scroll down and check off what you see.
What do you see on your reports?
Check everything that applies. Select all three bureaus — items often appear differently on each one.
⚠️ Payment History Issues
🔴 Major Derogatory Events
📝 Inaccuracies or Errors
📊 Score-Hurting Factors (accurate but improvable)
Step 2 of 2
A few more details to personalize your analysis.
Both sections are optional — skip either one if you prefer.
What are your current credit scores? (Optional)
Check your reports or a monitoring service like Credit Karma, Experian, or your bank app.
Equifax
TransUnion
Experian
What is your primary credit goal? (Optional)

Ready to Take Action on Your Credit?

Our team can handle the disputes, letters, and negotiations — or we can give you everything you need to do it yourself.

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