How it works — VetMyCredit

Step 1 — Get your three reports (~10 minutes)

Official reports only About 10 minutes

Start with the complete picture.

Federal law gives you free copies of your credit reports from all three bureaus through the federally authorized site, currently free every week. Checking your own reports is a "soft pull" and never affects your score.

Get all three free reports ↗

01
Request every bureau. Choose TransUnion, Equifax, and Experian individually. They are not sent automatically.
02
Save each report as a PDF. Those files are dated evidence of exactly what each bureau reported.
03
Skip the monitoring-app substitute. Most show only two bureaus, which lets a single-bureau error hide in the one you cannot see.

Use the official source: AnnualCreditReport.com ↗

Why can't VetMyCredit pull the reports for me?

The bureaus verify your identity with questions only you can answer, and the federal site is built for direct personal use. That's a good thing — nobody, including us, should be able to pull your file without you. So this step is yours, and we make it as easy as possible.

Step 2 — Upload them (~2 minutes)

One slot per bureau, so a missing report is visible instead of forgotten. Drag and drop the PDFs, or photograph paper copies from your phone. If a file looks like the wrong bureau, we'll say so at upload — not days later.

Your documents stay inside the audit boundary: never sold, never used to train AI, never entered into advertising systems, never shown to anyone without your explicit consent.

Step 3 — The engine audits (minutes)

Every tradeline is normalized, compared across bureaus, and — if you provide bankruptcy records — checked against the court record. The engine's standard is strict by design:

No document, no finding. Every finding must attach evidence — a verbatim quote from your report, with its exact location.
Every finding cites the statute it may implicate — FCRA sections, bankruptcy code sections — so you can read the law yourself.
Uncertain means held. When evidence is ambiguous, the engine says "held — needs review." It never manufactures a violation to look impressive.

Step 4 — Your findings and plan (read at your pace)

You get a plain-language audit: what's wrong, how serious each item is, and a sequenced strategy — what to dispute first, what the bureaus' legal clocks are, when a CFPB complaint becomes the right escalation, and which findings might be worth an attorney's eyes.

The 30-day clock, explained: once a bureau receives your dispute, federal law generally gives it 30 days to investigate (45 in some cases), and it must send you written results within 5 business days of finishing. Your plan lays out those dates for every dispute you send.

Everything above happens before you pay anything. If you want help acting on the findings, that's the part you can choose to pay for — here's exactly how that works.

Ready when you are. The member portal opens soon — the audit engine is in final validation on the founder's own file (n=1, and honestly labeled until it isn't). Leave your email at hello@vetmycredit.com and you'll be first in line.