Your full three-bureau report, in under a minute.
See your Experian, Equifax, and TransUnion scores side by side. Spot every collection, charge-off, late payment, and inquiry dragging your score down — plus every mismatch in your personal information.
Free analysis uses a soft pull — zero impact on your score. No Fix My Reports card required.
Fix My Reports analysis is free. A separate SmartCredit Build membership is required to access your three-bureau report: $29.95/month after its 7-day trial, billed by SmartCredit. Confirm current pricing and trial terms with SmartCredit before subscribing. This charge is separate from Fix My Reports membership ($50/month after your first 7 days free).
A lender's-eye view of your credit — in plain English.
All three bureau scores
Experian, Equifax, and TransUnion side by side, so you can spot inconsistencies at a glance.
Every negative item
Collections, charge-offs, late payments, and inquiries — each with the bureaus reporting it.
Personal info review
Wrong names, old addresses, phantom employers — the mismatches that quietly hurt your 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.
Ready to see your report? Free, always.
Create your free Fix My Reports account to access your analysis after connecting your separate SmartCredit membership.
✓ Soft inquiry only ✓ All 3 bureaus
Fix My Reports analysis is free. A separate SmartCredit Build membership is required to access your three-bureau report: $29.95/month after its 7-day trial, billed by SmartCredit. Confirm current pricing and trial terms with SmartCredit before subscribing. This charge is separate from Fix My Reports membership ($50/month after your first 7 days free).