The errors on your credit reports are costing you. Take them off yourself
Every month, millions of Experian, Equifax, and TransUnion files carry items that are inaccurate, outdated, or impossible to verify. Fix My Reports finds the entries dragging your score down and walks you through challenging each one, on your terms, with the bureaus and furnishers. You only dispute what's actually wrong.
Free analysis uses a soft pull — zero impact on your score. Upgrade for $1 (7 days full access), then $50/month. Cancel anytime.
Your data is encrypted and never sold. See our privacy policy.
FREE Credit Analysis — No Hard Inquiry
See your three-bureau scores in 60 seconds. Zero impact on your credit score.
Four reasons your score stays untouched.
Only you see it. Lenders never know. Your score stays the same.
Secure partnership with the bureaus — like logging into your bank.
We can't change anything on your report. We just show you what's there.
Encrypted. Only you can see it. We never sell or share.
Inaccurate info on your report. We find it.
Equifax, Experian, TransUnion — side-by-side.
Soft inquiry only. 0-point impact. Score untouched.
Get one free three-bureau analysis every 30 days.
Need analysis before 30 days? Just $5 per pull.
Includes unlimited disputes + tracking. $50/mo.
If it's wrong, it doesn't belong on your file.
Federal law is on your side: every line on your reports has to be accurate, complete, and verifiable. If it's not, you get to make the bureaus prove it — or take it off. Here's what people challenge and win most often:
- 01Late payments you don't recognize
- 02Collections you don't recognize
- 03Charge-offs with the wrong balance
- 04Repossessions reported on the wrong date
- 05Hard inquiries you didn't authorize
- 06Duplicate accounts on the same report
- 07Old accounts past the reporting window
- 08Public records and judgments without paperwork
- 09Mixed files belonging to someone else
- 10Identity-theft fraud accounts
What won't come off (and why).
FCRA law requires bureaus to remove inaccurate or unverifiable information. But if an item is accurate and verifiable, it stays on your file. We won't file frivolous disputes — that wastes everyone's time, including yours.
If an item is accurate, we'll tell you plainly. Then you focus on the items that have a real shot.
- Inaccurate balance
- Wrong date reported
- Unauthorized inquiry
- Duplicate account
- Unverifiable collection
- Accurate late payment you made
- Legitimate charge-off you owe
- Collection that was valid
- Correctly reported bankruptcy
- Accurate account you opened
Try everything for just $1
Full analysis. Every letter. All three bureaus. One dollar buys you the keys for 7 days. Cancel before day 7 and we won't charge $50 — your file stays open. The $1 trial charge is non-refundable. Upgrade to $50/month and cancel later, and we'll keep your file open through the paid month — no refund, but no extra charges either. First-time members only — no second trials.
- Full three-bureau credit analysis
- Unlimited FCRA-cited dispute letters
- One-click cancel — no phone tree
- Zero hard pulls, zero contracts
Try for $1 for 7 days. If you cancel before day 7, we don't charge $50 and keep your file open. If you upgrade to $50/mo and cancel later, we keep the file open through the paid month — no refund, but no extra charges either.
A dollar today unlocks the whole product. Not for you? Cancel inside 7 days — that's the whole exit. First-time members only.
A few report points can cost you thousands at the closing table.
The rates below are realistic for a lower credit score. When your report is cleaner, the same products often cost far less — because lenders price risk, not just loan size.
FICO band scale
| Loan Type | Loan Amount | APR | Monthly Payment | Total Interest |
|---|---|---|---|---|
| 30 Year Fixed Mortgage | $350,000 | 8.13% | $2,599 | $585,809 |
| 60 Month New Auto | $28,000 | 12.29% | $627 | $9,615 |
| Personal Loan (2 yrs) | $8,000 | 18.57% | $402 | $1,639 |
| Revolving Credit | $4,000 | 24.61% | $158 | $1,696 |
Click. Send. Watch it come off.
A simple loop you can run from your phone. We do the heavy lifting on data and language; you stay in control of what gets sent and when.
See your report free
No card required. Soft pull, zero score impact. See all three bureaus and every negative item in 60 seconds.
Connect your credit report
Link your credit monitoring account once in Fix My Reports. We pull your 3-bureau report automatically — no PDFs to download.
We extract your negatives
Fix My Reports reads every negative item from your live report — collections, late payments, charge-offs, inquiries — automatically.
Send tailored letters
We prepare a dispute letter for each bureau, built around your exact items. You review every word before it goes out. You make the decisions.
Auto re-pull and escalate
Every 45 days we re-pull your report automatically. Track removals, then move to round two on anything still standing.
Your personal credit analysis, refreshed every 45 days — every new pull.
After each report pull, Fix My Reports automatically generates a plain-English breakdown of your file — three-bureau scores, revolving utilization, the most damaging accounts, statute-of-limitations flags, and next steps written specifically for your situation. No spreadsheets. No jargon.
- Per-bureau score tiles and trend
- Top ~14 most damaging accounts
- Revolving utilization at a glance
- Statute-of-limitations warnings
- Payment history & credit mix commentary
- Prioritized next steps, tailored to you
Auto-regenerated every 45 days on each new report pull, so your read is always current.
Letters you send yourself land differently.
Anchored in consumer law
Each dispute cites the specific statute that protects you — FCRA §611 for accuracy investigations, §623 for furnisher duties, §605 for outdated reporting.
Item-by-item, not template spam
Generic letters get rejected. Yours reference the exact account number, reported date, and the specific reason an item is questionable.
Score trend, all three bureaus
Your dashboard tracks per-bureau scores month over month so you can see what's actually moving the needle.
Your data stays yours
We never sell information. Reports and letters live in your account and you can export or delete them at any time.
Doing it yourself vs. hiring it out
Most agencies send generic letters. Bureaus are allowed to dismiss those as frivolous. When you send the letter, they have to investigate.
- $100+ per month, indefinitely
- Generic letters, often rejected
- No transparency on what's sent
- You're locked into contracts
- One flat membership, cancel any time
- Letters built around your exact items
- You approve every word before sending
- Full history, exportable, always yours
A typical first 90 days.
Results vary by file. This is the cycle the process follows; it's not a guarantee of outcomes.
- Day 1Pull your 3-bureau report
Soft pull. We surface every negative item with a recommended action.
- Day 2–5Send round one
Bureau letters go out for the items you approve. Mail or upload — your call.
- Day 30–45Bureaus respond
By law, they have 30 days. Removed items disappear from your file; verified ones come back with details.
- Day 45–60Round two
You escalate anything still standing with furnisher-direct, method-of-verification, or §623 letters.
- Day 60–90Track the lift
Re-pull your reports, compare scores across bureaus, and decide what to challenge next.
Plan for 1–1.5 years.
The 90-day cycle above is round one. In reality, credit repair takes time. Most members see meaningful score movement by month 6–9, but the full benefit takes 12–18 months depending on your file complexity and how many items need challenging.
- Months 1–3First round of disputes
Bureau letters go out for the items you approve. The clock starts on the 30-day investigation window.
- Months 4–6Bureau responses, round two letters
Items removed (if inaccurate). Anything still standing gets escalated with round-two letters.
- Months 6–12Escalations and furnisher-direct
Method-of-verification requests, §623 furnisher letters, and continued tracking. This is where deep progress happens.
- Months 12–18Final rounds and monitoring
Last escalations, monitoring score improvements, and protecting the gains you've made.
We track progress month by month so you can see what's moving. Patience pays off.
Your file is the gatekeeper. Clean it up and the doors start opening.
The errors on your reports aren't just numbers — they're the reason a lender said no, a landlord hesitated, or an interest rate came back higher than it should have. Here's what changes when those items come off.
Better cards, real rewards
Premium cards stop bouncing your application. Approval odds climb as soon as inaccurate negatives fall off.
Lower auto rates
A handful of points can be the difference between a prime rate and years of overpaying on a car loan.
Mortgage in reach
Underwriters read every line of your file. Clean disputes make the difference between conditional and approved.
Refi student loans
Refinancing only pays off when your score qualifies you for the best tier. Disputes get you there faster.
Factual claims, not fabricated results.
Build new positive history.
Removing negatives is half the job. The other half is adding positive tradelines that report every month. Inside your portal, you'll get access to credit-building partners, unlocked one per month over your first three months.
Fix My Reports may earn a commission if you sign up through these partner links. Approval, terms, and fees are set by each partner.
A budget keeps your credit clean after the disputes work.
Removing inaccurate items is a strong start. But the fastest way to lose ground is a missed payment, a maxed-out card, or a surprise expense that becomes a collection. A monthly budget is the system that prevents new negatives from showing up in the first place.
Our budgeting recommendation: MyMoneyMyBudget
A shared, envelope-style budget built for families — with receipt scanning, savings goals, and a whole-family view that keeps everyone on the same page. We recommend it to members who want a simple way to protect the credit score they're working to rebuild.
Things people ask before joining.
Is it legal to dispute items on my own credit reports?+
Yes. The Fair Credit Reporting Act gives every U.S. consumer the right to challenge any item that is inaccurate, incomplete, outdated, or unverifiable. We help you exercise that right — we never make claims on your behalf.
Will pulling my reports hurt my score?+
No. We use a soft pull, which is invisible to lenders and has zero impact on your score.
Will the free analysis hurt my score?+
No. This is a soft inquiry — like checking your own credit. Hard inquiries (loan applications) can lower your score 5–10 points. Soft inquiries have zero impact.
Who will know I checked my credit?+
Only you. Soft inquiries are completely private and never reported to lenders.
How often can I pull my credit?+
You get one free pull every 30 days. If you want to pull sooner, it's $5 per pull. The paid tier ($50/mo) includes an auto-pull every 45 days.
Why does paid tier pull every 45 days?+
Disputes take ~45 days to update on your report after bureaus respond. We pull every 45 days to catch those updates and show you the real impact.
Do paid customers get unlimited pulls?+
No. Paid tier includes auto-pull every 45 days + unlimited disputes. The real value is automated disputes and tracking, not unlimited pulls.
What's the difference between free and paid?+
Free = analysis only (spot errors yourself). Paid = we generate + file disputes automatically, plus dispute tracking. Free: one pull every 30 days. Paid: auto-pull every 45 days.
Can you guarantee items will come off?+
Nobody legitimately can. What we can guarantee is that your letters are properly cited, sent to the right party, and tracked end-to-end — which is what gives them a real shot.
How is this different from hiring an agency?+
Agencies typically send generic, template letters in bulk. Bureaus are allowed to dismiss those as frivolous. Letters sent under your name, citing your specific items, must be investigated by law.
What if I get stuck?+
Our specialists are one message away. You're doing the sending; we're sitting next to you while you do it.
Know your rights before you send the next letter.
Short reads on the laws that actually protect you, the mistakes that get letters dismissed, and the tactics that keep furnishers honest.
What the bureaus legally have to do when you dispute
Section 611 forces an investigation within 30 days. Here's exactly what triggers it and what counts as a valid response.
Read articleWhy generic dispute letters get marked frivolous
Bureaus dismiss vague letters by design. Specificity — account number, date, reason — is what forces a real review.
Read articleMethod of verification: the request furnishers hate
When a bureau says an item was 'verified,' you have the right to know exactly how. Most can't actually prove it.
Read article