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You can dispute errors on your credit report yourself, for free. No one can legally remove accurate, current information from your credit report. We never promise a score or a removal. We are not lawyers and do not give legal advice.
Free AI tool

AI credit report reader

Upload or paste your credit report. Our AI looks for things that may be wrong, explains them in plain words, and fills in your dispute letters. You decide what is really wrong.

1. Get your free report

Pick one. Both are free. You sign in on their site, not ours. We never ask for your Credit Karma password.

Easiest

Credit Karma

Free. Shows your Equifax and TransUnion reports. Updated about once a week.

Open Credit Karma
On a computer
  1. Sign in at creditkarma.com.
  2. Click Credit, pick Equifax or TransUnion, then View full credit report.
  3. Press Command + P on a Mac or Ctrl + P on Windows.
  4. Choose Save as PDF. Do the other bureau the same way.
On an iPhone
  1. Open creditkarma.com in Safari (not the app) and sign in.
  2. Tap Credit, pick Equifax or TransUnion, then View full credit report.
  3. Tap the Share button (square with an arrow), then Print.
  4. Tap Share again at the top, then Save to Files.
All 3 bureaus

annualcreditreport.com

The official free site set up by federal law. Equifax, Experian and TransUnion, free every week.

Open annualcreditreport.com
On a computer
  1. Click Request your free credit reports.
  2. Fill in your details on their secure form and tick all three bureaus.
  3. Answer each bureau's security questions. Each report opens one at a time.
  4. On each report press Command + P (Mac) or Ctrl + P (Windows) and choose Save as PDF.
On an iPhone
  1. Open annualcreditreport.com in Safari and tap Request your free credit reports.
  2. Fill in their form, tick all three bureaus and answer the security questions.
  3. On each report tap Share, then Print.
  4. Tap Share again at the top, then Save to Files.
Fastest way: copy and paste. With your report open, press Command + A then Command + C (Windows: Ctrl + A, Ctrl + C). On iPhone, press and hold on the report, tap Select All, then Copy. Come back here and tap Paste my report. Numbers like your Social Security number are hidden on your device before anything is sent.

We are not part of Credit Karma or annualcreditreport.com. Experian is not on Credit Karma; get it from annualcreditreport.com. Then come back here and add the PDF below.

2. Add your report

Add one report per bureau. One is fine; all three is best. Each is read on your device first.

Or paste the report text:

Your privacy: before anything leaves your device, we hide Social Security numbers and long account numbers (we keep the last 4 digits). The masked text goes to our AI provider, Anthropic, only to review it. We don't save your report.

Hidden before sending: Social Security numbers, long account numbers (we keep the last 4) and birth dates. Not hidden: your name, addresses, employers and the companies on your report, because the AI needs them to spot mistakes.