Complimentary Service

A free, detailed credit auditdelivered to your inbox

Upload your credit report and our team reviews every account against the standards set by the Fair Credit Reporting Act. You receive a written audit listing each discrepancy we found, why it is disputable, and what to do next — at no cost and with no obligation.

Every item must meet four standards

100% accurateEvery balance, date, payment history and status must match reality exactly.
100% verifiableThe creditor must be able to prove the item belongs to you and is reported correctly.
100% completeMissing dates, limits or payment history make an item incomplete — and disputable.
Reported timelyItems must fall inside the reporting period allowed by the Fair Credit Reporting Act.

If an item fails any one of these, the bureaus must correct it or remove it. That is what credit repair is — holding the bureaus and creditors to the law.

Request your audit

Cost: $0. Your report is stored privately and used only to prepare your audit.

Full name

Email address

Credit report (PDF, up to 6 MB)

Don't have a credit report yet?

Pull yours now from SmartCredit — our partner link gives you tri-bureau reports and scores in minutes.

Get my credit report

1. Tap Get my credit report above — SmartCredit opens in a new tab, so you won't lose your place here.
2. Sign up, then download your report. It saves as a PDF on your phone (check the Files or Downloads app).
3. Come back to this tab and upload that PDF below — that's it.

SmartCredit is a separate service and shows its own price before purchase. Fred Livai Financial does not collect that charge.

Preparing a full audit takes a minute or two — please keep this page open. This audit is informational and is not legal advice.