Understand your credit report. Free. Your report is never stored.
CreditKaren is an educational tool that explains what your credit report says and highlights entries you may want to review for accuracy. Browse the free credit report guides.
CreditKaren does not provide legal, financial, lending, or credit-repair advice. No dispute, deletion, score increase, approval, or other outcome is guaranteed.
Designed for U.S. residents only.
Upload your credit reports
Don't have your credit reports yet? Here's how to get them free.
- Go to annualcreditreport.com — the only federally authorized free source.
- Get your free credit reports from 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 are based on information you choose to review and are provided for educational purposes.
Your Data
See our Privacy Policy for information about how CreditKaren handles uploaded reports and related data.
Free credit report guides
Read before you upload anything. Every guide is free, with no account and no email required.
How to read a credit report
A section-by-section walkthrough of what your report actually says.
Credit report errors
What to check for accuracy before you consider filing a dispute.
Your FCRA rights
A plain-English overview of your rights under federal law.
Can AI fix your credit?
What AI credit repair can and can't do, and how to use it safely.
How to use AI to fix your credit
A step-by-step guide from free reports to dispute letters.
Best AI credit repair tools
An honest comparison of free and paid AI credit tools.
Privacy-first review
See our Privacy Policy for information about how CreditKaren handles uploaded reports and related data.