Free — no account required

Find the errors costing you points before you apply

Upload your PDF. Our engine checks every tradeline for potential accuracy issues — late-payment mismatches, duplicate collections, unauthorized inquiries, and more.

This is a credit report error audit, not credit repair. We identify potential issues for you to verify. No score promises, ever.

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Drop your credit report PDF here

or click to browse

Your PDF is processed on our servers and is not stored after auditing. Results expire in 7 days. We never share your data.

How it works

STEP 01

Upload your PDF

Pull your free report from AnnualCreditReport.com and upload it here. No account needed before you see results.

STEP 02

We audit every line

Our FCRA audit engine checks each tradeline for common accuracy errors — dates, balances, duplicates, and more.

STEP 03

See what we found

Enter your email to unlock the full findings. Then decide whether to let Athena draft the dispute letters for you.

Athena Access is not a law firm or credit repair organization under the Credit Repair Organizations Act (CROA). This audit identifies potential accuracy issues for consumer review only — it is not legal advice and makes no representation about the outcome of any dispute. Individual results vary. Always verify findings against your own records before disputing anything.