Credit repair, finally honest about it

Know your credit.
Get funding-ready.

We break down your full credit report — all three bureaus, every item, positive and negative — and tell you exactly where you stand. No jargon. No confusion. Just a clear path to your next loan.

Funding Readiness Score
?/100
+ 5 positive accounts
− 3 items to dispute
i 2 bureaus reporting
Delivered via email in minutes

Free Credit Analysis

Find out where you stand — in minutes.

Upload or paste your 3-bureau credit report and we'll email you a plain-English breakdown: your scores, what's hurting you, and exactly what to fix to get funding-ready.

Upload a PDF or TXT from SmartCredit, AnnualCreditReport.com, or any bureau — or paste the text directly below. We accept reports from Experian, Equifax, and TransUnion.

By submitting, you agree to receive your credit analysis by email. We'll never sell your information. Privacy Policy

Free. No credit card. Report emailed within minutes.

How it works

Three steps to knowing your credit cold

01

Submit your SmartCredit report

Use our link to pull your 3-bureau credit report. Takes 2 minutes. No commitment, no credit pull.

02

Receive your A-to-Z analysis

We read every item, flag the negatives, identify the positives, and summarize what it means for your next loan application.

03

Start repairing with AI

Our AI credit repair bot generates dispute letters using proven legal frameworks. One flat rate. No per-dispute charges. No surprises.

The analysis

Credit reports are hard to read. We fixed that.

Most people have no idea what's actually on their credit report — or why their score is what it is. Our analysis breaks it down item by item so a first-time borrower can understand it, and a mortgage officer can act on it.

All 3 bureaus — Experian, Equifax, TransUnion. Not just one.
Positives vs negatives — clear itemized lists, not just a score.
Funding readiness summary — where you are, what needs fixing.
Improvement roadmap — what to do next, in plain English.
Sample analysis section
Equifax — Report Summary 3 items flagged
Disputed
Chase Auto Finance — Charge Off Balance: $4,200 | Opened: Mar 2021 | Status: Charged Off FCRA 623 violation: original creditor reported non-zero balance after account was sold to collections. Requires dispute.
Positive
Capital One — Revolving Balance: $1,100 | Limit: $5,000 | Utilization: 22% On-time payments for 24 months. Keep utilization below 30%.
Inquiry
5 auto loan inquiries in 30 days All from different dealers — appears as 1 cluster, counts once. Remove excess inquiries: only one dealer approval inquiry is authorized.

Pricing

One rate. Everything included.

Most credit repair companies charge per dispute, then add setup fees when items don't delete fast enough. We don't do that.

$44.44 /month
Free A-to-Z credit analysis — any time
AI Credit Repair Bot — unlimited disputes
Email and text delivery of analysis
SmartCredit monitoring — all 3 bureaus
No matter how long it takes — rate stays the same

Your credit doesn't have to be a mystery.

Most people don't know what's on their credit report until they get denied for a loan. We think that's backwards. Get the analysis first. Know where you stand. Then decide what to fix.

FundReady Credit — funding-ready by design.