What it answersStandard
Credit
- Every tradeline, side by side across the three bureaus.
- Disagreements found and explained, with the evidence from your own books.
- Utilisation from your actual statement balances.
- Each dispute you send tracked against its legal clock: 30 days from the day the bureau received it.
Credit
Experian shows a March payment 30 days late. The other two say on time, and so does the bank.
Where the bureaus disagree
⊙ 3 reports · 1 disagreement · a dispute open, day 9 of 30Utilisation
12%
of 14,500 in limits used · statement balances
Drawn on an invented household — Rhys and Tess Okafor-Hale and Tess's Okafor Studio LLC. Every name and figure is made up.
Does it show my credit score?
No. It reads the reports themselves — the part that decides a score — and shows where they are wrong. It does not buy or estimate scores.