You’re almost there.

Your order has been received. The only thing we need now is a copy of the credit reports you would like us to explain.

✓ Diagnostic Complete

✓ Order Confirmed

● Upload Reports

○ Report Preparation

○ Delivery

Step 1

Choose the easiest way to send your credit report.

You do not need to download a PDF. You can take clear screenshots of your report and select them directly from your phone’s Photos or Gallery. A downloadable PDF is also welcome when available.

Where might your report come from?

Credit reports are commonly available from a variety of consumer credit-report providers and other legitimate sources, including, for example, Credit Karma, myFICO, Experian, Equifax, TransUnion, or a mortgage broker or lender who has provided you with a copy of your report.

Credit Optimize is not affiliated with or endorsed by any of these providers. These examples are provided only to help you identify a report you may already have.

Please keep this information visible

Creditor and account names
Reported balances and credit limits
Account status
Payment history
Opened and closed dates
Collections and charge-offs
Remarks and reporting dates
The bureau displaying each item

Privacy Shield™ by Credit Optimize

Your privacy comes first.

Prefer to remove sensitive personal information before uploading? Use our built-in Privacy Shield™ to cover information you do not want to submit.

Social Security number
Date of birth
Driver’s-license number
Complete home address
Employer information
Other identifying information

Your account names, balances, limits, payment history, collections, dates, statuses, and bureau information should remain visible so we can prepare your explanation.

Step 2

Send your report in the format that is easiest for you.

Both options go to the same secure order. You may select multiple screenshots at once.

Usually easiest on a phone

▣

Upload screenshots from my phone

Take screenshots of the relevant report pages, return here, and select them directly from your Photos or Gallery. No PDF or manual saving is required.

Best when available

PDF

Upload a PDF or saved report

Select a downloaded PDF, JPG, JPEG, or PNG file from your phone, tablet, or computer.

When sending screenshots

Select all relevant screenshots together
Keep the report source or bureau visible
Include account names, balances, and limits
Include payment history, dates, and status
Avoid cropping too closely
Make sure the text is clear and readable

Before submitting

I confirm that I am authorized to provide these credit reports to Credit Optimize. I authorize Credit Optimize to review the reports I submit solely for the purpose of preparing my Personal Credit Report Explanation. I understand that this service provides an educational explanation of the information appearing on the reports I submit and is not credit repair, legal advice, lending advice, financial advice, or a guarantee of any particular outcome. I have reviewed the files I am submitting and understand that the completeness and accuracy of my Personal Credit Report Explanation depend on the readability and completeness of those files.

By submitting, you confirm that the reports belong to you or that you are otherwise legally authorized to provide them for review.

What happens next

From upload to completed explanation.

We will guide the order through the remaining steps and contact you if any file is missing or unreadable.

1We confirm the files are readable

If anything is missing or unclear, we will contact you.

2We prepare your written explanation

Credit Optimize organizes and explains the information appearing on the reports you submitted.

3Your completed report is delivered

You will receive an email when your Personal Credit Report Explanation is ready.

Privacy and file handling: Credit reports contain sensitive personal information. Files are used only for processing your order and preparing the service you purchased. Access is limited to authorized personnel involved in fulfilling your order. File storage, retention, deletion, and security practices should be described in the final Privacy Policy before launch.

Need a hand?

Questions before you submit?

If you are unsure which report to upload or have a question about Privacy Shield™, start a chat and we will help.

Chat unavailable? Email support