Get a Personalized Credit Analysis: YOUR REAL ACCOUNTS. YOUR REAL PLAN. Personalized Video Walkthrough — Delivered for Just $1

After you sign our authorization agreement, we review your report right away and deliver your personalized video analysis on day 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.

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.

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.

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.

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.

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.