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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.
Step 1

Get your free credit report

Two free ways to get your report. You sign in on their site, never ours. Then come back and let our AI check it.

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.

Got it? Next step

Add your report to the AI reader. It hides your Social Security number on your device and finds possible mistakes in plain words.

Check my report with AI
Is this a real Credit Karma connection? No. Credit Karma doesn't let other websites pull your report, and we will never ask for your Credit Karma password. You get the report yourself, then add it here.