We audit your credit reports for reporting violations — line by line, against the law. You see every finding, with the statute it breaks and the evidence behind it, before you pay a cent.
No card required. No score promises. Your reports never leave the audit boundary.
One agency used a bankruptcy category different from the court disposition. Other agencies reflected corrected or materially different account states.
All three, free, from the federally authorized site. It's a soft pull — it never touches your score. We show you exactly how, and why monitoring apps aren't a substitute.
~10 minutesDrag in the PDFs — one slot per bureau, so nothing gets missed. Your documents stay inside the audit boundary. Never sold, never used to train anything, never shown to anyone without your consent.
~2 minutesEvery tradeline, compared across bureaus and against your court record. Every finding must cite the statute it implicates and the evidence behind it — or it isn't a finding.
minutes, not monthsA plain-language audit and strategy: what to dispute, when to escalate to a complaint, what's worth an attorney's eyes — plus your file's expiration map: every negative item's legal fall-off date, watched. You see everything before you pay anything.
30-day clocks explained"I found the violations on my own post-bankruptcy credit file by hand. It took months. Then we built the engine that finds them in minutes — and it caught ones I missed."
Discharged debts still reporting balances, wrong chapter codes, stay-period delinquencies — post-bankruptcy files are where reporting errors concentrate. This is the path our founder walked.
Start here →What it actually does, what it costs, what the rules are, and how your credit file behaves afterward — in plain language, with the statutes behind a tap. If it's the right tool, we'll say so, and you can choose to talk to a bankruptcy attorney.
Start here →No bankruptcy — just a file that doesn't match reality. Same audit, same standard: document-backed findings with the statute cited, and a plan for disputes done right.
Start here →The federally authorized site gives you all three bureaus, free, every week — as a soft pull. Save the PDFs: they're your evidence. Monitoring apps typically show two bureaus; single-bureau errors hide in the third.
Get-your-reports guide →The questions people actually have, answered the way we'd want them answered.
When your audit surfaces document-backed findings that may support a legal claim, you can choose — with your explicit consent, one named firm at a time — to send your case package to a vetted consumer-law firm. Or take your findings and file yourself. Your file, your call, either way.
How it's free: the audit costs us little to run, so we give it away. If you want help acting on what it finds, that's the part you can choose to pay for — after you've seen the findings. No subscriptions, no timers, no "act now." The full answer →