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Upload Your Report
Start with a secure 3-bureau report upload. No signup required to see what your credit report is saying first.
✣ Your Free AI Credit Snapshot
See Exactly What’s Hurting Your Credit—
in 60 Seconds.
Upload your 3-bureau credit report and get a free AI Credit Snapshot powered by DisputeBot Intelligence™. See what may be hurting your scores and the next steps that may help improve funding-readiness. If your snapshot shows potential reporting issues, you can review the results yourself or request Board-Certified Assisted Review™ before sending a dispute letter.
Works best with a 3-bureau report from:
Experian
Equifax
TransUnion
No Hard InquiryAI-PoweredSecure Upload. Private Analysis.Takes About 60 Seconds
Free AI Credit Snapshot → Optional Board-Certified Assisted Review™.
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Since 2006Credit-Analysis Experience
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Secure UploadPrivate Analysis
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60 SecAverage Snapshot Completion Time
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Designed SafeguardsSecure Upload and Private Analysis
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No Credit CardRequired. Get Started Instantly.
⊙ How It Works
In 60 Seconds, You’ll Know More Than Most People Ever Learn About Their Credit.
From upload to personalized action plan, our AI shows what may be hurting your credit, what it could be costing you, and recommended next steps.
2
AI Reviews Key Issues
DisputeBot Intelligence™ scans utilization, inquiries, derogatories, compliance findings, and possible funding-readiness blockers.
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Get Your Action Plan
See your highest-impact priorities in order, including what to review first and what may improve score or readiness fastest.
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Take the Next Best Step
Use your snapshot to decide whether to review issues yourself, generate a dispute letter, request Board-Certified Assisted Review™, or follow funding-readiness recommendations.
OPTIONAL ASSISTED REVIEW
Board-Certified Assisted Review™
AI can help identify issues and draft a dispute letter. But sometimes you may want a trained human review before you send it.
With Board-Certified Assisted Review™, your AI-generated dispute letter is reviewed by a board-certified credit review specialist for clarity, factual accuracy, dispute structure, missing details, supporting evidence, and relevant consumer-reporting issues.
The final version is returned as a clean, simple, fact-based dispute letter you can review, download, and send.
Optional paid review. No legal advice. No deletion guarantee. No attorney representation.
⊙ The ConsumerRights.ai Ecosystem
Powered by the ConsumerRights.ai Ecosystem
FreeCreditSnapshot
Your free entry point to see what may be hurting your credit and what to do next.
DisputeBot Intelligence™
Analyzes report issues, risk factors, and possible correction priorities.
FundingBot Technology™
Helps estimate funding readiness and next-step positioning when your profile may be ready.
ConsumerRights.ai
Connects credit, reporting, dispute, and consumer-rights tools under one system.
⊙ What’s Included
Know What Matters.
Make Smarter Credit Moves.
See the issues, opportunities, and next steps that can help you move toward stronger approvals, lower costs, and better financial options.
Find Hidden Credit Blockers
Identify negative items, inconsistencies, and risk factors that may be standing between you and stronger credit outcomes.
Better Understand Where You Stand
Compare all 3 bureau scores, understand what may matter most, and see your credit picture with more confidence.
Get Your Next Best Steps
Receive clear, step-by-step recommendations that may include dispute review, documentation steps, paydown planning, funding-readiness actions, or optional Board-Certified Assisted Review™.
See What Credit Could Cost You
Understand how your profile may affect approvals, rates, and the money you could save by improving key areas.
FOR CERTIFIED REVIEW PARTNERS
Join the Certified Review Partner Network
Are you a board-certified credit review professional? Certified Review Partners can apply to join the FreeCreditSnapshot network, invite users to receive free snapshots, and earn referral and review compensation after approval.
Certification is required. Uncertified applicants will be directed to get certified first before reviewer approval.
Get My FREE Credit Snapshot
No credit card. No hard inquiry. 100% free.