AI Credit Audit
Drop your report. We do the rest.
Upload your Experian, Equifax, or TransUnion report — PDF or HTML. Our AI reads every tradeline, collection, and inquiry — flags every dispute opportunity — and drafts a custom letter for each one. You see your top 3 findings free.
Import from your monitoring service
Don't have a report file yet? Grab one from a monitoring service, then upload it above. One-click import is coming soon.
SmartCredit
Enroll, then export & upload
IdentityIQ
Enroll, then export & upload
MyScoreIQ
Enroll, then export & upload
Array
Enroll, then export & upload
🔒 Private
Your file is encrypted at rest. Never shared, never sold.
⚡ 30–60 seconds
Most reports analyze in under a minute. Bigger files take longer.
📄 PDF, HTML, or MHTML
Up to 25MB. Get yours free at annualcreditreport.com.