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Free Credit Report Check

See what's hurting your credit.

Upload your credit report. We'll show you each negative item, how much it usually hurts a score, and when it falls off.

Experian, Equifax or TransUnion reports, or a 3-bureau report (IdentityIQ, SmartCredit, MyFreeScoreNow). Up to 3 PDF files.

Your report is read on your device. We never store it. Your SSN, date of birth and address are removed before analysis.

Don't have your report?

Get all three for free. Checking your own report never lowers your score.

  1. 1
    Go to annualcreditreport.comThe free site authorized by federal law. Reports are free every week.
  2. 2
    Download Experian, Equifax and TransUnionSave each one as a PDF on your phone or computer.
  3. 3
    Upload them hereWe read all three together and point out where they disagree.

What you'll see

  1. A
    Every negative item, ranked by harmSevere, High, Medium or Low, based on FICO's published research.
  2. B
    Items that may not belong on your reportFor example, items past the 7-year limit or paid medical debt.
  3. C
    Your card usage and hard inquiriesWith the date each inquiry stops counting.

The Credit Report Check is an automated, educational summary. It is not a credit score, a score prediction or legal advice. Results vary, and we cannot guarantee removal of accurate information.