Get a Personalized Credit Analysis: Stop Guessing YOUR REAL ACCOUNTS. YOUR REAL PLAN. Know Your Next Move Personalized Video Walkthrough — Delivered for Just $1 Just $1.
We review your actual credit report and record a personal video walking you through exactly what we see — which accounts are hurting your score, why, and what to do about it. Specific to your report. Not a generic template. We translate your report into plain English and guide you through exactly what to do next.
Understanding Credit Score Ranges
Educational GuideLimited credit options, high interest rates
• Credit builder loans
• Focus on payment history
Why Credit Analysis Matters
Government data reveals the shocking truth about credit report accuracy
Don't let errors cost you thousands. Get your professional analysis today.
Here's Exactly What You Get
No surprises. This is the entire process, start to finish.
Get Your Credit Report: $1
Instant access to your full credit reports and scores from all 3 bureaus — no sharing or uploading required.
We Review Your Real Accounts
We identify every account affecting your score — collection accounts, charge-offs, late payments — so you don't have to.
You Get a Personal Video Walkthrough
Delivered day 3-4, walking through your actual report and your realistic options — not a generic template.
Keep Your Plan Going: $49.99/mo
Continue monitoring and get ongoing guidance toward your specific credit goals, at no extra cost. Cancel anytime.
What Our Clients Are Saying
Individual results vary. Credit outcomes depend on each person's unique credit history, the accuracy of items in their report, and creditor and bureau response times. Reviews above reflect individual client experiences and are not a guarantee of similar results.
Get Your Personalized Credit Analysis Now
$1 Credit Report Access → Sign Authorization Agreement → Personal Video Walkthrough on Day 3-4 → Guided Next Steps at No Cost to You
* The $1 gets you access to your full credit reports from all 3 bureaus through our credit monitoring partner. Cheating Debt earns an affiliate commission when you subscribe. After the trial, monitoring continues at $49.99/mo unless you cancel. Our guidance and video analysis are provided at no cost to you, funded through that affiliate relationship. We do not guarantee any specific credit outcomes. Results vary based on your individual credit history and creditor responses.
Frequently Asked Questions
Get answers to common questions about our credit analysis service
How long does the credit analysis take?
After you sign our authorization agreement, we review your report right away and deliver your personalized video analysis on day 3-4. Federal law requires a 3-business-day waiting period before we can deliver — we use that time to prep a detailed walkthrough so it's ready the moment we can send it.
What exactly is included in the $1 analysis?
You get a personal video where we walk through your actual credit report, not a generic template. We break down which accounts are hurting your score, what each negative item means, and what your realistic options are. At the end we ask your main credit goal so we can point your plan in the right direction.
Is my personal information secure?
Yes. We use a secure, encrypted platform to access your credit data, so in most cases no document sharing is needed. In rare situations, like escalating a dispute, we may request supporting documents. If that ever happens, we'll let you know exactly what's needed and why.
Why do I need to pay $1 for the credit report?
The $1 gets you access to your full credit reports from all three bureaus through our credit monitoring partner. That's what lets us see your actual accounts and record your personal analysis. We earn a commission when you get started through our link, at no extra cost to you. After the trial period, the monitoring service continues at the standard monthly rate unless you cancel. That's separate from Cheating Debt's guidance.
What happens after I receive my analysis?
After watching your video, reply with your main goal: buying a home, a car, lowering interest rates, understanding what's on your report. We'll walk you through what we see and what your options are based on your specific situation. If you decide to keep going, we continue providing guidance at no cost to you. We do not guarantee any specific credit outcomes. Results vary based on your individual credit history and how creditors respond.
What do you actually help me with?
We help you understand what's actually on your credit report, in plain language. We walk you through which accounts look like they may be disputable, what the dispute process looks like, and what to realistically expect. We guide you through the tools and process for submitting disputes directly to creditors and collectors. We are not a law firm, we don't guarantee any outcomes, and you have the right to dispute anything on your report directly on your own at no cost.
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