Something on my credit report is wrong
Tell us what happened and attach your report. A consumer-protection attorney reviews it at no cost.
- Free, with no obligation
- No PDF? Photos of up to 5 pages work too
- Your information is kept encrypted
For consumers and consumer-protection law firms
Credit report errors, found and fought.
ClaroCredit reads consumer credit reports page by page, flags possible errors with the page they came from, and puts a consumer-protection attorney on the review.
- Every finding linked to the page
- Attorneys decide, never software
- Sensitive numbers encrypted
Which one sounds like you?
I run a consumer-protection practice
Intake, reading, flags with evidence, attorney review and case management in one place.
- Reports arrive from your own website's form, or by upload
- Every flag shows the page it came from
- Your team, your cases, your data
My business runs credit on customers
Dealerships, lenders and rental communities: give the customers you can't approve today a free way to have their credit report checked. They send it themselves; you never share a report.
- Free for you; the review is free for your customer
- Your own link, QR code and printable card
- Nothing to install
Turned down?
Turned down for a car, a boat, a home or an apartment?
When a business turns you down because of your credit report, you can get your report free from the credit bureau the business used: ask within 60 days of the notice. Send it to us, and a consumer-protection attorney reviews it at no cost.
- A car or truck
- A boat
- An RV or camper
- A motorcycle or powersports vehicle
- A mortgage or home loan
- An apartment or rental home
- A personal loan
- A credit card
- Furniture, appliances or rent-to-own
- A phone plan
- Utilities
- Insurance
Turned down for something else? Start here.
What we check
The errors we look for.
The problems that come up again and again on consumer credit reports, in plain words. Some the software flags on its own; the attorney who reviews the report looks for all of them.
In a Federal Trade Commission study of credit report accuracy, one in five consumers had an error on at least one of their three credit reports.
The same study found that five percent of consumers had errors on one of their three major credit reports that could lead to them paying more for products such as auto loans and insurance.
Accounts that aren't yours
Cards, loans or collections you never opened, sometimes a sign of identity theft.
Wrong balances or late marks
A balance you paid, a debt wiped out in bankruptcy, or a late payment that never happened.
A dispute that was ignored
You told the credit bureau something was wrong, and nothing changed.
Items older than they may be
An old debt reported with a newer date, so it stays on your report longer.
The same debt listed twice
One debt shown by two collectors, each with a balance.
Marked as deceased by mistake
A living person reported as deceased, which can shut them out of credit.
Mixed-up files
Someone else's name, address or accounts mixed into your report.
Redacted or missing information
Account numbers hidden or details left out of your own copy of the report.
Free report review
Have an attorney look at your credit report, free.
Tell us what happened and attach your report. A licensed consumer-protection attorney reviews it at no cost, and you are under no obligation.
Send your report
Free, with no obligation. Fields marked optional can stay empty.
- What counts as an error?
- Anything on your report that is not true or not complete: an account you never opened, a balance you already paid, a late payment that never happened, the same debt listed twice, or someone else's information in your file.
- Which report should I send?
- Your own personal credit report (not a business one), from Equifax, Experian or TransUnion. If you have more than one, send them all: errors often show on one and not the others.
- What if I'm not sure anything is wrong?
- Send it anyway and tell us what worries you. Looking is the attorney's job, and the review is free either way.
How to get your report, free
Turned down recently?
Your notice names the credit bureau the business used. Ask that bureau for your free copy within 60 days of the notice.
Anyone, any time
AnnualCreditReport.com is the official site for free credit reports. Free, once a week, from each of the three nationwide credit bureaus.
Tip: save each report as a PDF before you close the window, and send that. No PDF? Clear phone photos of up to five pages work too.
Source: Federal Trade Commission (opens in a new tab)For law firms
Your consumer-protection practice, from the first report to the outcome.
ClaroCredit takes in each report, reads it, flags what may be wrong with the page it came from, and keeps every case moving on one board. Your attorneys make every call.
Cases move like cards
Every case is a card on one board, from the first report to the outcome. Drag a card to any lane, and name and colour the lanes your own way.
- Who has each case, and how long it has waited
- Where each case came from: e-mail, the web form or by hand
- A search box and a table view for long lists
Every flag comes with its evidence
A possible error arrives with the words from the report and the page they came from. The attorney accepts it, rejects it, or asks for more documents.
- The excerpt and the page, one glance away
- How sure the reading is, shown on every flag
- Every decision kept in the case's history
Reports arrive by themselves
Put the web form on your own website: every report sent through it becomes a case on your board and is read right away. Or upload a report by hand.
- The source of every case stays on its card
- Nothing to install: it all runs in the browser
- Gmail, Outlook and Google Drive connections are in testing now
- Reading a report takes minutes
- Findings link to the page
- Assignment and history for the whole team
- Stored in your firm's own account
Access for law firms is by request for now. Tell us about your practice and we will be in touch.
How it works
From a report to an attorney's decision.
The same four steps whether it is your own report or your client's.
Step 1: Send the report
Through the form on this page, a firm's own web form, or uploaded by hand.
Step 2: We read it
Every page, every account, every inquiry, the moment the report arrives.
Step 3: Possible errors are flagged
Each flag carries its evidence: the words from the report and the page they came from.
Step 4: An attorney decides
A licensed attorney reviews every flag and decides what happens next. Never software.
Built for trust
Private by design. Attorneys in charge.
A credit report is one of the most personal documents a person has. ClaroCredit is built to treat it that way.
Privacy first
Sensitive numbers, like a Social Security number, are encrypted and shown only as the last four digits. Reports travel over encrypted connections.
Every action on the record
Who did what, and when, is written to an audit trail. A case's history is added to, never edited.
Attorneys decide
Software reads and flags. A licensed attorney decides what a flag means and what happens next - always.
FAQ
Questions, answered.
Short answers for people checking their report, for law firms, and for businesses that run credit on their customers.
If you are checking your report
Does it cost anything?
No. Sending your report and having it reviewed by an attorney is free, and you are under no obligation. Sending the form does not create an attorney-client relationship.
What happens after I send my report?
Your report is read page by page and anything that looks wrong is flagged with the page it came from. A consumer-protection attorney reviews it and reaches out at the e-mail address you gave.
Is my information safe?
Your report travels over an encrypted connection and is stored encrypted. Sensitive numbers, like a Social Security number, are encrypted on their own and shown only as the last four digits. Every change to your file is written to an audit trail.
Will this hurt my credit score?
No. Asking for your own credit report does not hurt your credit score: checking your own report is not an inquiry about new credit.
Source: Consumer Financial Protection Bureau (opens in a new tab)What does it cost if an attorney offers to represent me?
The review is free. If an attorney offers to represent you, the attorney explains the fee in writing before you agree to anything, and the choice is yours. Under the federal credit reporting law, when a consumer wins a case under it, the company held responsible must pay the consumer's court costs and reasonable attorney's fees, in an amount the court decides.
Source: the federal credit reporting law, on costs and fees (opens in a new tab)If you run a law firm
Which errors does ClaroCredit find?
Today it flags account numbers hidden on the consumer's own copy, inquiries that are bundled or not disclosed, the same debt listed twice, items older than seven years, debts given a newer date than they had, living people marked as deceased, and debt buyers reporting incomplete information. Each flag shows the report page it came from. The attorney reviews the rest of the report and decides what every flag means.
Can my firm bring its own clients' reports?
Yes. That is what ClaroCredit is built for: your clients, your cases, worked by your attorneys and staff. The reports you bring are stored in your firm's own account.
How do reports get into ClaroCredit?
Upload them by hand, or put the web form on your own website and every report sent through it becomes a case on your board. Connections to Gmail, Outlook and Google Drive are in testing now.
If your business runs credit
What does it cost?
Nothing for you, and the review is free for your customer. There is nothing to buy or install, and ClaroCredit does not pay for referrals.
Do I share any customer information?
No. You never send us a credit report, a customer list or anything from your systems. Your customer asks for their own report and decides whether to send it. Why you never share a report.
What does my business get out of it?
A better answer than “no” for the customers you can't approve today: a free way to have their credit report checked. And if an error is found and corrected, that customer can apply again with an accurate report.
Contact
Talk to the ClaroCredit team.
A question about ClaroCredit, a demo for your firm, or access for your team: send us a message and we will reply by e-mail.
Or write to info@clarocredit.com
Checking your own credit report? The free report review is the fastest way to an attorney.
Start with the report.
Your own report or your clients', ClaroCredit shows what may be wrong, and an attorney decides what happens next.