Know What's
Hurting Your Score 📈
Get expert analysis of your credit reports from all 3 bureaus. Discover hidden errors, negative items, and your improvement potential. ✨
What's Destroying Your Credit?
See how different negative items impact your credit score. Click any item below to see its effect.
Late Payments
30, 60, or 90+ day late payments that stay on your report for 7 years
Collections
Accounts sent to collection agencies for non-payment
Charge-offs
Accounts written off by creditors as unlikely to be paid
High Utilization
Using more than 30% of your available credit limits
Bankruptcy
Legal bankruptcy filing that stays on report for 7-10 years
Identity Theft
Fraudulent accounts or unauthorized inquiries opened in your name
Hard Inquiries
Too many credit applications creating multiple hard pulls
Mixed Files
Someone else's information mixed into your credit file
Don't Let These Issues Hurt Your Future
Every day these problems stay on your credit report, they're costing you thousands in higher interest rates and blocking better opportunities.
Our Expert Analysis is Completely FREE
The $27.99 fee you see goes directly to the credit bureaus - it's what they charge us to pull your official credit reports from all three agencies. Our certified credit professionals then analyze these reports at no additional cost to you.
Why do bureaus charge this fee? Credit bureaus are required by law to provide one free report per year, but accessing all three reports with current scores for professional analysis requires this official bureau fee.
What Happens After Your Credit Analysis?
Professional Dispute Letters
Once you know exactly what's hurting your credit, you can take action with our professional dispute letter templates. These are the same proven strategies that credit repair companies charge thousands for.
- Remove late payments, collections, and charge-offs
- Challenge inaccurate or unverifiable items
- Fix mixed files and identity theft issues
DIY Credit Repair
Save thousands compared to hiring a credit repair company. Our letter templates include step-by-step instructions, legal language, and follow-up strategies to maximize your success rate.
- Complete letter templates with legal language
- Step-by-step dispute process guide
- Follow-up and escalation strategies
Learn more about our dispute letter templates and DIY credit repair tools after you complete your credit analysis.
View dispute letters→