Free Credit Report Audit

Discover everything on your credit profile that's working against you.

Drop your myFICO 3B report herePDF · or click to choose it

No myFICO PDF yet? Get it in 6 steps

A PDF that names every problem

  • Every item that's costing you, across all three reporting agencies. Not “high balances on revolving accounts.” The actual account. The actual problem.
  • Two lender grades most people have never seen.
  • In your inbox within a few minutes, and on a private results page the moment you upload.
What it shows that your myFICO report doesn't →

Example findingsIllustrative

  • A card is reporting above its limitBalance $2,340 against a $2,000 limit.
  • Charged-off balances are counted inside your utilization
  • The reporting agencies list different current addresses
  • …and every other item on your report.

Your myFICO report vs. the free audit

Your myFICO report tells you your score. It can't tell you whether a lender will say yes.

Same report. Same five minutes. One shows you the numbers. The other shows you what a lender does with them.

WhatYour myFICO reportThe free audit
How lenders see you—Not shown. A score is not a decision.✓Two grades — secured lenders and unsecured lenders — on a four-rung scale, with the reasons under each
What's working against you—Score factors, in FICO's language✓Every item named in plain English, grouped the way the credit reporting agencies weigh them
Your cards—Listed together, one total utilization✓Card by card — over-limit cards, cards carrying balances, your cards vs. someone else's, and whether one card is carrying the whole profile
Depth—Not measured✓How many cards you actually own, the age of your oldest open one, and the highest limit anyone has ever trusted you with
Lender tells—Not identified✓Secured cards, subprime issuers, consumer finance lenders, card-only history — what an underwriter sees in thirty seconds
Your scores—FICO 8 up front, the rest in a list✓All 14 versions compared, with the mortgage and trend versions flagged when they run below the headline
Your identity data—Three agencies, shown separately✓Compared — a birth date, name, or address that differs between agencies is called out
The next 24 months—A snapshot of today✓What changes on its own and when — items that stop reporting, inquiries that stop counting, a closed account about to take years of history with it, your average age crossing a line
Score opportunities—Not identified✓Whether you're a candidate for a faster average-age lift, the dollars between you and the next utilization line, how many places the agencies disagree about you, and which agency's score a mortgage lender will actually use
Is the report even complete?—No way to know✓Checked. A condensed export is caught, and you're told exactly which box to uncheck
What you keep—A dashboard you log into✓A PDF, a private results page, a copy in your inbox — and a contact address on every page

What it will not do: tell you what to fix first, or how. That part is different for every profile — and it's the actual work.

Upload my PDF report

No myFICO PDF yet? Get it in 6 steps

Frequently asked questions

Is it really free?

The audit is free. The only cost is the myFICO report itself — normally $59.85, or $29.95 if you sign up for FICO Advanced score monitoring and cancel after you download your PDF.

How fast do I get it?

Your audit lands in your email inbox within a few minutes — and on a private results page the moment you upload.

Does this affect my credit scores?

No. You're uploading a report you already downloaded from myFICO. Nothing new is pulled.

Is this credit repair?

No. It's an audit only — not credit repair, not a plan, not advice. It names what's working against you. It does not tell you what to fix first, or how.

What happens to my report?

It travels over an encrypted connection and sits on a private server. I am the only person who sees it. It is never sold, shared, or used for anything other than preparing your audit, and the original PDF is deleted after 7 days.

Does my Social Security number reach you?

No. myFICO masks it before the report is downloaded — the PDF you upload carries at most the last four digits, and I never ask for the rest.

Will someone call me?

No. Nobody calls you. About 20 minutes after your audit arrives, I send one short email to make sure it landed — email doesn't always go where it should.

Why does it have to be myFICO?

The audit reads the myFICO 3B report: all three reporting agencies and every FICO version in one document. Other services don't produce that report, so there's nothing for the audit to read.

What if I forget to uncheck “Condensed Report”?

The audit catches a condensed export and tells you exactly which box to uncheck. Download it again the full way and re-upload.

Who is Steve Snyder?

Twenty-six years in credit. Built and sold a credit company to private equity, ran the third-largest credit repair firm in the country, FICO strategic partner, 650,000 people taught since 1999. This audit is the same first step every client gets — minus the part they pay for.

Upload my PDF report

No myFICO PDF yet? Get it in 6 steps