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Your credit report.
Finally, in plain English.
Choose a PDF or screenshot, check the extracted facts, and understand what your reported balances, limits and account terms mean.
No payment. No card required. No account needed to try it.
Sign in only if you want to save reviewed facts.
Fictional example · not a real credit report
Credit card · reported current
Clarity, in three steps
Read the report you already have.
Choose your file
Use your own credit report PDF, PNG or JPEG. The file is read in your browser, not uploaded to our servers. You can redact confidential details first.
Check the facts
Compare extracted fields with your report. Correct a value, add a missed account or leave an unknown field blank. Manual review is always required.
Understand the terms
Explore plain-English explanations of supported account fields. Download your reviewed facts, or sign in to save them to your private dashboard for free.
Your report, your control
Leave the identifiers out.
We do not need your SIN/SSN, date of birth, address, account numbers or reference IDs to explain the supported credit-report facts.
Use permanent redaction if you hide anything. A removable box placed over PDF text may leave the original text readable.
What can be saved?
Only the reviewed, supported fields: account categories, reported amounts and statuses, report months, and optional inquiry counts—not your original document or raw extracted text.
Saved facts are financial information. Sign-in protects access to your reports. Account email and optional profile name are stored separately for authentication.
Keep up to 30 reports, with 10 new saves per 24 hours. Reports expire after one year, or you can delete them earlier. Copies you download remain on your device.
Supported input
Equifax. Experian. TransUnion.
Choose one bureau report at a time. Text PDFs, scanned PDFs and PNG/JPEG screenshots are accepted, up to 20 MB and 30 PDF pages.
Different layouts and image quality can affect extraction. If a field is missed or uncertain, check it manually. Combined three-bureau reports are not supported.
Education, not an action plan
This free analyzer replaces our former Credit Action Plan offer. It explains supported information rather than telling you which financial decisions to make.
- No personalized paydown or dispute recommendations
- No credit-repair services or guaranteed score improvements
- No credit pull, bureau login or bank connection
- Not a complete audit of every item or an error-detection guarantee
A few things worth knowing.
Is the AI Credit Analyzer really free?
Yes. There is no payment page or card requirement. You can read a file and download the reviewed facts without an account. A free account is needed only for dashboard saving, subject to the displayed storage limits.
What does the AI do?
On-device machine-learning OCR helps read scanned pages and screenshots. A conservative parser identifies supported labeled fields, calculations show ratios, and an educational library explains terms. A hosted generative AI service does not receive your file. The tool cannot reliably interpret every bureau layout or every item.
What if something is missing or incorrect?
Review every field against your report before continuing. Add missed accounts, remove duplicates and correct amounts manually. Unrecognized or conflicting fields are left blank. Detailed payment timelines, public records and score models are not automatically interpreted.
Will this change or check my credit score?
No. It reads the file you choose. It does not contact a credit bureau, pull your credit, change your report, or predict a score change.
Can I delete a saved report?
Yes, from the analyzer dashboard. Deleting removes the live saved facts. Submission IDs and timestamps are kept for retry and deletion protection while your account exists; they do not contain report facts. Earlier backup copies, if any, may persist until their retention period ends. Downloaded copies are under your control.
Do I need to sign in before choosing my file?
Only if you want to save the reviewed facts to your account. Unsaved files and facts stay in the current browser view and are cleared when you leave. Sign in first to avoid having to select and review the file again.
Less jargon. More understanding.
Bring the report you already have. Leave with a clearer explanation of the supported facts—without a checkout or a personalized action plan.
Try the free AI Credit Analyzer →Educational information only, not personalized financial, legal or credit-repair advice. My Credit Signal is not affiliated with Equifax, Experian or TransUnion. Extraction can make mistakes; verify the reviewed facts against your source report. Questions? Contact My Credit Signal. Read our privacy policy.