CREDIT REPORTS, FINALLY EXPLAINED.
See what's wrong on your credit report — free.
One wrong balance can cost you on a mortgage, a car loan, or an apartment application.
Don't have your report yet? Get it free in 2 minutes →Free check in minutes · Unlock every finding and your letters for $19.99, one time · Doesn't affect your score
Account status
- Equifax
- Closed
- Experian
- Closed
- TransUnion
- Open
TransUnion says this account is open. The other two say it's closed. One of them may be wrong.
Is this wrong?
A difference between reports is not automatically an error — it's a reason to look closer.
We compare your reports line by line, explain every item in plain English, and prepare dispute letters for the mistakes you confirm.
You can dispute errors directly with the credit bureaus for free. We help you find possible errors, understand them, and prepare clear, organized disputes.
Why it matters
1 in 5 people found an error on at least one of their credit reports, according to a national FTC study. One wrong balance or late payment can affect a mortgage, car loan, or apartment application.
Source: Federal Trade Commission, Report to Congress under Section 319 of the FACT Act (2012).
Don't have your reports yet? Get all three free at annualcreditreport.com — here's how (2 min)
Three easy steps. That's it.
1. Upload your report
Start with one report or upload all three for the most complete check.
2. We check every line
We compare details, flag what deserves a closer look, and explain it in plain English.
3. You decide what to fix
Confirm what's wrong and we'll help you prepare dispute letters. You review, sign and mail them.
See exactly what you'll get.
Sample results report
The summary, ratings and plain-English explanations you'd see after a check.
Sample dispute letter
The ready-to-mail letter you'd review, sign and send yourself.
Your credit information deserves careful handling.
Files stay on your device
Your original file is read in your browser, not sent to or stored on our server. Extracted text is sent for AI review after sensitive-number masking is applied.
Sensitive numbers protected
Social Security and account numbers are masked automatically before anything is analyzed.
You're in control
We never contact anyone for you. You choose what to dispute.
Start free. Pay only if you need more.
Check your report for free. Unlock everything for $19.99, one time. No subscription.
Free Check
$0
Free
- Check 1–3 reports
- See how many issues we found
- Full details for your top finding
- Urgent warnings always shown in full
Complete Report & Dispute Kit
$19.99
One-time
- Every finding explained
- Side-by-side bureau comparison
- Dispute letters for items you confirm
- Follow-up letters included
- Action-plan PDF
- Dispute tracker with reminders
- One-time $19.99 — no subscription
You only pay after the service is delivered. You can dispute directly with the bureaus for free.
Many credit repair services charge monthly fees. ReportLantern is one-time. Refund policy
Credit reports shouldn't require a finance degree.
I've spent over 20 years as an educator turning complicated things into clear steps. I built ReportLantern to do the same for credit reports — so you can understand yours and act with confidence.
— Kevin, founder
Common questions
Not ready yet? Get our free 5-day credit report crash course.
One short email a day: how to read your report, spot common errors and use your rights.
Your rights
Disputing is free
You can always dispute directly with the bureaus at no cost.
About 30 days
Bureaus generally must investigate within 30 days.
You stay in control
We never contact anyone for you.
Your report. Every line checked. Free to start.
No credit card. No subscription. No pressure.