Make sense of your credit reports.
Upload 1, 2, or all 3 PDFs from AnnualCreditReport.com. We merge them into one clear view, flag what doesn’t match, and explain it all in plain English.
Free. No credit card.
Haven’t downloaded them yet?
Get your free reports at AnnualCreditReport.com, the official source, then come back and upload them. Our step-by-step guide shows every screen.
How it works
Three steps, start to finish
Download your reports
Get your Equifax, Experian, and TransUnion reports free at AnnualCreditReport.com, the official source, and save each one as a PDF. New to it? Our step-by-step guide shows every screen.
Upload 1, 2, or all 3 PDFs
In any order. We detect which bureau each report came from, so there’s nothing to label. PDFs only: screenshots and scans won’t work.
See one consolidated view
Your reports, combined and reorganized so they’re easier to understand, with differences across bureaus flagged when you upload more than one. Ask Solid AI is there for questions.
Why Solid Credit
Why upload your reports to Solid Credit?
Compare your reports side by side
Equifax, Experian, and TransUnion each format the same information their own way. Uploaded together, your accounts, inquiries, and personal details line up in one place, in one format.
Spot what doesn’t match
A balance that’s higher on one report. An address you don’t recognize. An account only one bureau lists. When your reports disagree, you’ll see a Discrepancy Detected flag on the exact field.
Understand what’s on your reports
Accounts, inquiries, public records, and status codes, laid out in plain language instead of bureau shorthand. We flag what looks worth a closer look; you decide what matters.
Ask questions in plain English
Ask Solid AI, your AI credit coach, has read every line of your uploads. Ask why an account shows up twice or what a term means and get an answer about your reports, not a generic article.
What’s included
Free forever. Here’s what that means.
Upload 1, 2, or all 3 bureau reports, as often as you like
One consolidated view of every report you upload
Flags for what looks off, and what doesn’t match across bureaus
A read on what’s helping your credit and what’s holding it back
A personal action plan: what to do next, built from your own reports
Ask Solid AI, your AI credit coach, with no limit on questions
No credit card, no surprise paywall.
If you want more than uploads
Our Plus plan automatically pulls your Equifax report and score, updated weekly. Premium adds automatic reports and scores from all three bureaus, plus best-in-class monitoring and protection. Compare plans
Why it’s free
Credit reports were built for institutions. We’re rebuilding them for people.
Your credit report affects where you live, what you pay, and which financial options you have. Every American should be able to see and understand their credit report and make sure it’s error-free. We believe that shouldn’t cost anything — so we made it free. No catch, no time limit.
How do we afford that? Our Plus and Premium plans add automatic reports, scores, and monitoring, and they’re built with one goal: making sure members love Solid Credit. Most free credit apps get paid when you click a loan ad and take on more debt. We get paid when someone decides a paid plan is worth it. Want to do the work of uploading reports yourself? That should always be free, in our book.
You should be the customer, not the inventory.
Built by
industry
experts
We’ve spent two decades inside the credit industry.
Now we’re building the service it should have been all along.
- 20+ years in the industry
- 1,000,000+ people served
- A heart to help people
Common questions
Already have your PDFs?
Upload 1, 2, or all 3 credit reports and see them in one clear view. Free, with no credit card required.
Still need your reports? Get them free at AnnualCreditReport.com.