Start with your real report from Equifax, Experian, or TransUnion.
The simplest route is AnnualCreditReport.com, the official joint source for all three nationwide bureaus. Once you download a PDF or save each account screen as screenshots, upload it using the secure report box below in Shift.credit to scan and start your dispute.
Download your bureau report first, then upload the PDF or a batch of account screenshots in the secure report box below.
Equifax
Get your Equifax report
Use Equifax's free reports page or the joint official source to download your current credit file.
After you download it or save screenshots from the account details page, come back and upload the file set using the secure report box below.
Experian
Get your Experian report
Experian explains how to request your free report and links directly to the official annual report source.
After you download it or save screenshots from the account details page, come back and upload the file set using the secure report box below.
TransUnion
Get your TransUnion report
TransUnion offers its annual credit report page and also points consumers to the official weekly report source.
After you download it or save screenshots from the account details page, come back and upload the file set using the secure report box below.
Step 1
Upload report
Step 2
AI scan results
Step 3
Select accounts
Step 4
Choose reasons
Step 5
Generate letters
Step 6
Review
Step 7
Download packet
Dispute credit report errors in 3 clicks.
Upload your real bureau report, let AI flag questionable items, and generate ready-to-review letters for Equifax, Experian, and TransUnion.
Upload your real bureau report
Download your Equifax, Experian, or TransUnion report first, then upload the PDF, saved report pages, or multiple account-detail screenshots here. SSNs are masked before AI analysis.
Click 1
Get your real bureau report
Click 2
Upload it to Shift.credit
Click 3
AI scan highlights suspicious accounts
Click 4
Generate dispute packet