Create your free account
Free forever. No credit card. Your AI credit coach starts in 2 minutes.
Check your email
We sent a link to . Tap it to confirm your account, then you'll land right back here.
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Let's set your goal
Three quick questions so your coach knows where you're headed.
Step 2: Get your 3 free reports
AnnualCreditReport.com is the official free site required by federal law. Your reports there are free every week, and checking them never hurts your score.
Want all 3 reports and scores in one place?
IdentityIQ gives you your reports and scores from all 3 bureaus in one place, plus ongoing credit monitoring. Download them there, then upload them here.
Get my reports with IdentityIQIdentityIQ is a paid monitoring service from another company, and you can cancel any time. CreditStride earns a referral fee if you sign up, so CreditStride stays free. You don't need it: the free option below works, and you can find and dispute errors yourself at no cost.
1. Get each report and save it as a PDF
- Tap the button below to open the official site.
- Tap Request Your Free Credit Reports, fill in your info and pick all three bureaus.
- Each bureau asks a few questions to confirm it's you. Answer from memory.
- When a report opens, save it before you leave the page. Each report has a Print or Save button.
- Computer: tap Print, change the printer to Save as PDF, and save.
- iPhone: tap Print (or the Share button), then Save to Files.
- Android: tap Print, choose Save as PDF, then the download button.
- Repeat for all three bureaus. Then come back here and upload them together.
If one bureau can't confirm it's you online, the site will tell you how to request that report by mail. Upload the other two now and that one later.
2. Upload your reports
Pick all your saved report PDFs at once. We'll match each file to its bureau, and you can fix any we get wrong.
Your reports are stored privately and only you can see them. CreditStride never asks for your AnnualCreditReport.com password.
Step 3: What's on your reports
Your AI coach reads all three reports, lines up every account, and points out anything that doesn't add up. You decide what's actually wrong.
Ready when you are
Reading takes about 1 to 3 minutes. You can leave this page and come back.
Getting started
Needs a look
Tap Wrong next to anything your report gets wrong. If everything in an item is right, tap All of this is right.
Good to review
Done reviewing?
Your answers save as you tap.
Your coach uses only the items you marked wrong to write your letters in step 4. Accurate items stay on your report, and your coach will show you how to build around them.
Welcome
Here's your step-by-step plan.
Get all 3 credit reports, free
Get your free Equifax, Experian and TransUnion reports from AnnualCreditReport.com and bring them into CreditStride. Takes about 10 minutes.
Your roadmap
CreditStride provides free educational tools. CreditStride is not a credit repair organization and does not dispute information on your behalf. You can dispute inaccurate information with the credit bureaus yourself, at no cost. Results vary and are not guaranteed.