Credit, demystified
Understand your credit report. Improve your score — the legal, ethical way.
Upload a credit report PDF and CreditClarity translates the small print into a plain-English summary, shows you exactly what's helping and hurting your score, and gives you a prioritized plan plus ready-to-send dispute letters grounded in the FCRA, FDCPA, and CFPB guidance.
Start here
Get a free PDF from annualcreditreport.com, Credit Karma, MyFICO, or any of the three bureaus, then drop it below.
Your file is sent securely to our AI for analysis and is not stored on our servers.
Read it like a human
We turn dense bureau jargon into a 2-minute plain-English summary — what each section means and how it affects you.
See what moves the needle
Every account is labeled positive, neutral, or negative against the five FICO factors so you know where to focus first.
Letters with legal teeth
Dispute, goodwill, debt-validation and pay-for-delete templates that cite the right FCRA / FDCPA sections.
What we don't do.
We don't sell CPNs, suggest "credit washing," recommend piggybacking on strangers' tradelines, or file false disputes on your behalf. Everything CreditClarity recommends is something you could read about on the CFPB website — we just make it actionable.