Your guided educational credit report review
Build your understanding with five learning paths, then use this site’s report analyzer to identify entries you may want to compare with your own records.
this site does not provide legal, financial, lending, or credit-repair advice. A flag is not proof of an error. No dispute, deletion, score increase, approval, or other outcome is guaranteed.
Designed for U.S. residents only.
Five learning paths, one step at a time
0 of 5 marked complete
Choose the question that matches your situation. These steps are optional, free to read, and can be opened in any order.
Step 1: Understand Credit
I’m new. What does all this mean?
Start with the difference between a credit report and a credit score. Learn the report sections and common terms before deciding whether an entry needs a closer look.
- Credit Report vs. Credit Score: What's the Difference?
Separate the underlying account record from the number calculated using a scoring model.
- FICO vs VantageScore: Full 2026 Comparison
Compare scoring-model families, score ranges, and why a lender may use a different score.
- How to Read a Credit Report: A Section-by-Section Guide
Read identifying information, accounts, inquiries, and other report sections.
- Paid, Settled, Closed, Removed, and Deleted: What Is the Difference?
Distinguish payment resolution, account closure, and whether an entry still appears.
- Credit Report Glossary: 60+ Terms Explained in Plain English
Look up unfamiliar report terms, from tradelines and furnishers to score factors.
Upload your credit reports when you’re ready
Use text-based PDFs from Equifax, Experian, or TransUnion. You can review one report or all three.
Need your reports first?
Visit AnnualCreditReport.com , the federally authorized source for free credit reports. Download each available report as a text-based PDF, then return here when you are ready.
Before you upload
Report text is processed for the analysis and is not stored after the review. An email is required to enforce the daily usage limit. Optional letter delivery and expert-consult requests have separate retention rules in the Privacy Policy.