By law, you are entitled to one free credit report per year from each of the three major bureaus: Equifax, Experian, and TransUnion.
This is the only federally authorized site for free credit reports. Do not use any other site — many charge hidden fees.
Select Equifax, Experian, and TransUnion. Each bureau maintains a separate file and may have different errors.
Save each report as a PDF. CreditAuditAI accepts PDF format for the highest accuracy AI scan.
The audit reads each report for potential FCRA violations and prepares dispute letters that cite the sections that may apply.