Understand your credit report, free.
Upload an Equifax, Experian, or TransUnion credit report for an AI-assisted educational review. CreditKaren helps you understand report sections, identify entries you may want to review for accuracy, and organize questions before deciding what to do next. Browse the free credit report guides.
Educational information only. CreditKaren does not provide legal, financial, lending, or credit-repair advice. No dispute, deletion, score increase, loan approval, or other outcome is guaranteed.
Upload your credit reports
Don't have your credit reports yet? Grab them free in 60 seconds.
- Go to annualcreditreport.com — the only federally authorized free source.
- Get your free credit reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com.
- Download each as a PDF and upload them above. CreditKaren takes it from there.
100% free. No credit card. Doesn't affect your score.
Why CreditKaren
AI-Assisted Report Review
Receive an educational report summary and optional draft letters for you to review, edit, and decide whether to use.
FCRA-Informed Draft Letters
Draft letters based on information you choose to review
Zero Storage
Uploaded report files are deleted after your review session
Free credit report guides
Read before you upload anything. Every guide is free, with no account and no email required.
Privacy-first review
CreditKaren deletes uploaded report data once your review session is complete. Nothing is stored, logged, or shared. Your credit details stay in your browser session only.