Free Audit
Find Out What’s Hurting Your Credit Score — For Free
Find Out What’s Hurting Your Credit Score
Worried about what’s really affecting your credit? Our Free Credit Audit Report walks you through the same review process for a credit professional to use when looking over a credit report.
You’ll see:
- Your current scores and utilization from each bureau.
- Which accounts are reporting as negative or derogatory.
- How your balances and usage may be affecting your score.
- A high-level action plan and your part in the process.
You’ll learn how to spot information that may be inaccurate, incomplete, outdated, or unverifiable, and better understand the factors that may be lowering your score — without any confusing jargon.
Inside, you’ll find
A Breakdown of Your Credit Scores and Key Factors
A simple explanation of how your scores are calculated, what “unfavorable” vs. “good” means, and how payment history, utilization, and account mix play a role.
Clear Summaries of Each Major Section of Your Credit Profile
Tables that show your positive accounts, your revolving utilization, and a summary of derogatory items, so you can quickly see what’s helping and what may be hurting.
An Analysis of Derogatory and Questionable Accounts
A detailed list of accounts showing late payments, collections, charge-offs, and other negative notations, broken down by bureau, so you can review them carefully.
Inquiries, Public Records, and Personal Information Review
A snapshot of recent hard inquiries and variations in your personal information that may need updating or correcting.
A Step-by-Step Action Plan and Your Role
Guidance on what to do next — from monitoring your credit and managing utilization to disputing information you believe is inaccurate, incomplete, outdated, or unverifiable, and the habits that support better credit over time.
Benefits
Why this matters
Get a Clear Picture of Your Credit Health
Understand what’s helping and what may be hurting your score before you take your next step. Your Credit Audit Report gives you a personalized snapshot of your current credit profile — not generic tips — so you can see where you truly stand.
Spot Issues That Could Be Lowering Your Score
Learn how to recognize accounts or information that may require a closer look, such as outdated balances, incorrect dates, duplicate accounts, or items you don’t recognize. Use the report to identify entries you may want to review, verify, or dispute if they are inaccurate, incomplete, outdated, or cannot be verified.
Create a Personalized Improvement Plan
Use the Action Plan and “Your Part in the Process” sections to decide what to focus on first — from managing utilization and avoiding new inquiries to following up on items you believe are reported incorrectly. The report helps you build a simple, practical roadmap tailored to your situation, without risky “quick fixes.”