Step 1 of 1 · There is no step 2

Run the engine

29 checks. Deterministic. Offline. Free. You do not pay before this, and you do not pay after it either.

Turn off your wifi and this still works. Everything below happens inside your browser — the PDF parser is bundled into this page, not fetched from anywhere. There is no server to receive your report, no database, no account, no upload. That is not a privacy policy, which is a promise about what a company chooses to do with data it already has. It is an architecture, which is a statement about data it never receives.

Get your report in

Three ways. All of them offline. Pick whichever suits what you have.

Drop your credit report PDF or press to browse · Equifax, Experian, TransUnion, or all three

Honest about the parser: credit report PDFs are wildly inconsistent between bureaus, and some are scanned images with no text layer at all. The parser does its best and then shows you exactly what it extracted so you can correct it. It will miss things. When it does, use manual entry — that path is bulletproof and takes about four minutes. We would rather tell you this now than have you trust a bad parse.

Two questions only you can answer

The engine reads what is on the report. It cannot know what is true. These two checks need you.

Your personal information section

Nobody reads this part, which is why mixed files happen. Bureaus match accounts to you by name, address, and identifiers — with a tolerance for typos. Every wrong variant is a hook that someone else's debt can hang from.

Names or spellings on your report that are not yours

Addresses you have never lived at

Do not list old addresses you genuinely lived at — those support your file's real history. Only what is wrong.

A Social Security number variant appears that is not mine

Your state

Sets the limitations period for the time-barred check. Read the caveat below it — it matters.

State

Limitations period (years)

Read this before relying on it. Statutes of limitation vary by debt type (open account, written contract, promissory note), several states changed theirs recently, and some apply another state's law via a borrowing statute or a choice-of-law clause buried in your cardholder agreement. The number we fill in is a common starting point for credit-card debt, not legal advice, and not reliable enough to bet a lawsuit on. Verify it for your state and your debt type before acting. Every other tool would just show you a number.

Still $0. Still nothing uploaded.