Credit Optimize
Credit Report Clarity Check
Question 1 of 7
Free Credit Report Clarity Check
What prompted you to check your credit today?
Choose the option that comes closest. Your answers are used only to prepare a preliminary educational summary.
Credit card usage
Credit reports may show balances that differ from what you remember paying or from what appears in your banking app.
About how much of your available revolving credit is currently being used?
Example: $4,000 balances on $10,000 limits is about 40% used.
Payment history
Payment-history information is one category commonly displayed on credit reports.
Have you had any account go more than 30 days late in the last 12 months?
This helps organize the payment-history information you entered.
Mortgage amount
This question is shown only because you selected mortgage as your reason for checking your credit.
About how much do you expect to borrow?
Use your best estimate. This is not a rate quote, approval estimate, or lending decision.
Auto loan amount
This question is shown only because you selected auto financing as your reason for checking your credit.
What auto loan amount are you considering?
Use your best estimate. This is used only to personalize the educational summary.
Other late payments
Payment-history information may appear differently across accounts and credit reports.
Have any other late payments been reported in the past 24 months?
Collections
Collections and charge-offs can remain visible on a credit report even after a consumer stops thinking about them.
Do your credit reports or credit apps currently show any collections or charge-offs?
Credit profile strength
Credit reports also show the age, depth, and mix of the accounts being reported.
Which best describes the length and depth of your credit history?
Reviewing Your Responses
Please wait while we organize the information you entered.
- Organizing your answers
- Reviewing balance and account information
- Reviewing payment-history and collection responses
- Preparing your Credit Report Clarity Snapshot
Your free result
Your Credit Report Clarity Snapshot
Based on the information you entered, several categories of credit-report information may be relevant to what you are seeing.
Clarity starts with the actual report
Understand what your credit reports are really showing.
Receive a private, organized written explanation of the accounts, balances, payment history, collections, and bureau differences appearing on the reports you provide.
✓Your score changed and you are not sure what information may be connected to it.
✓A balance or account appears different from what you expected to see.
✓Your reports do not appear to match across Equifax, Experian, and TransUnion.
Reported balancesBased on your answer
Payment historyBased on your answer
Collections / charge-offsBased on your answer
Credit historyBased on your answer
See what you'll receive
A quick 90-second overview of how your Personal Credit Report Explanation is prepared, how your information is protected, and what happens after checkout.
The introduction video is currently being prepared. Replace the placeholder URL in this Liquid file with your YouTube or Vimeo embed link when it is ready.
What your written explanation includes
The review uses the actual credit reports you choose to submit—not only the questionnaire answers above.
Account-by-account summaryOrganized explanation of the accounts and statuses appearing on your reports.
Balances and limitsA clear view of the revolving balances and limits currently being reported.
Payment historyReported payment-history information presented in an easier-to-follow format.
Collections and charge-offsIdentification and explanation of those items when they appear.
Bureau differencesComparison of relevant information across Equifax, Experian, and TransUnion.
Private written deliveryA personal report explanation prepared from the documents you provide.
Privacy before upload
Optional Privacy Shield™
After checkout, and before submitting your credit reports, you will have the option to hide certain sensitive personal details using our built-in redaction tool.
Hide items such as Social Security numbers, dates of birth, addresses, and visible account-number details.
You control whether to use the tool before uploading your documents.
Information needed to prepare the report explanation must remain readable.
Your documents. Your choice.
Optional redaction is available on the secure upload page after payment.
Personal Credit Report Explanation
Submit the credit reports you want reviewed and receive a clear, organized explanation of the information appearing on them.
- Three-bureau report review
- Account and balance summary
- Payment-history explanation
- Collections and charge-offs shown
- Bureau-to-bureau comparison
- Private written delivery
Introductory launch price
$269
$197
One-time payment. Educational report explanation only. No credit repair, score promises, or lending guarantees.
20+ years of experience
5,000+ clients helped
No credit pull
Secure upload + optional redaction
Educational credit-report information only. Final wording and scope should be reviewed by counsel before launch.
Secure checkout
Personal Credit Report Explanation
After payment, you will be taken directly to our secure upload page, where you may optionally redact certain sensitive details before submitting the reports you want explained.
ServicePersonal Credit Report Explanation
$197
Three-bureau review
Plain-English explanation
Secure report upload
Optional Privacy Shield™
One-time payment
One-time payment. Educational report explanation only. Not credit repair.
Your report explanation is reserved.
Next, continue to the secure upload page and provide the credit reports you want explained.
Continue to Secure Upload →