Resource center
Your go-to resource center with direct links to every website, tool, and form you’ll need for fast, effective DIY credit repair.
📘 Credit Report & Monitoring Tools
Annual Credit Report
Get your free credit reports from all three major bureaus.
Experian Credit Report
Equifax Credit Report
Transunion Credit Report
IdentityTheft.gov (FTC)
OptOutPrescreen
LexisNexis
CFPB Complaint Portal
IRS Identity Protection PIN (IP PIN)
Innovis
Free Soft-Pull Credit Score Checkers
View your report, freeze your file, or dispute errors. Block unauthorized access to your credit file.
View your report, freeze your file, or dispute errors. Block unauthorized access to your credit file.
View your report, freeze your file, or dispute errors. Block unauthorized access to your credit file.
Soft-pull tools that don’t hurt your score.
Report identity theft and generate an official recovery plan.
LexisNexis is a major data reporting agency that collects public records, identity information, insurance claims, prior addresses, and more. Credit bureaus often use LexisNexis data to verify your identity and confirm account information during disputes.
You can request your full consumer report, check for errors, and freeze your file for added protection.
File complaints against banks, credit bureaus, or lenders when disputes are mishandled.
Protect your tax return from identity theft.
Stop pre-approved credit card and loan offers to reduce fraud risk.Stop pre-approved credit card and loan offers to reduce fraud risk.
Innovis is a lesser-known credit reporting agency that maintains consumer data similar to the major bureaus. Lenders, insurers, and service providers may pull Innovis reports, which makes it important to review your file for accuracy.
You can request your free report, dispute inaccurate information, or place a security freeze to prevent unauthorized access.
Clarity Services (Alternative Credit Data)
ChexSystems Consumer Report
CoreLogic / SafeRent(Tenant Screening / Rental History)
NCTUE Consumer Report
ChexSystems tracks your banking history, including overdrafts, unpaid fees, account closures, and suspected fraud. Banks use this report to decide whether to approve new checking or savings accounts.
You can request your free ChexSystems report, dispute incorrect information, or place a security freeze to protect your banking identity.
Clarity Services collects alternative credit data used by lenders who serve consumers with limited credit history. They track payday loans, installment loans, online lenders, and high-risk credit profiles.
You can request your full Clarity report, review for errors, dispute inaccuracies, or freeze your file to prevent unauthorized pulls.
Request your rental history or SafeRent tenant screening report, learn how your rental data is used, and get instructions for disputing inaccuracies. Use SafeRent’s consumer forms or call their support line for assistance.
NCTUE maintains records for cell phone, cable, internet, and utility accounts. These companies check your NCTUE report when determining deposits or account approvals.
You can request your free NCTUE report, dispute incorrect entries, or freeze your report to prevent unauthorized access.
CredCo / CoreLogic CreditIQ (Specialty Consumer Reports)
Some landlords and lenders use specialty reports (CredCo / CreditIQ). Request your CoreLogic/CredCo report or follow the instructions on this consumer request page.
SageStream (Anodus) – Consumer Reporting Freeze
SageStream, now operating under the name Anodus, is a consumer reporting agency that provides identity, telecom, and risk-scoring data to lenders, utility companies, and financial institutions. Because some credit bureaus use SageStream/Anodus for identity matching and indirect verification, freezing this file helps limit how your information is shared and may improve the accuracy of credit bureau investigations.
You can request a security freeze, report, or dispute directly through their consumer portal.
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