FREE AI CREDIT ANALYZER
Turn balances, credit limits and account terms into explanations you can actually understand. Bring your report. We’ll help you read it.
Free · No card · No account needed to try
Your report says
IN PLAIN ENGLISH
This card shows 40% of its limit in use—10 percentage points above the familiar 30% rule of thumb. Utilization helps explain reliance on available credit; 30% is a guide, not a pass/fail line.
$2,400 ÷ $6,000 × 100 = 40%
Experian · Understanding utilization ↗Your numbers, their meaning, and why they matter.
LET’S OPEN YOUR REPORT
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Select a PDF or a clear account screenshot. Your file is read on this device—not sent to our servers.
Confirm that this is your own report above to continue.
If you want, you can permanently redact personal identifiers such as your name, SIN/SSN, date of birth or account numbers—they aren’t needed to explain your report.
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Choose one Equifax, Experian or TransUnion report at a time. Combined three-bureau reports are not supported.
On-device OCR uses machine learning; layout and field recognition can miss or misread entries. Review every extracted field. Missing fields can be entered manually. No hosted generative AI receives your file.
MAKE THE NUMBERS CLICK
A balance, a limit, a date. Separately, they can feel like a wall of numbers. Together, they explain how an account appears on your report.
Start with the document you already have. Review the details, then explore the meaning behind each supported field.
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PUT YOUR REPORT IN CONTEXT
A card, a loan and a mortgage are different kinds of credit. The analyzer connects explanations to the account types, payment statuses and inquiry counts you actually review.
In US lending, some scoring models are tailored to cards or auto loans. A lender’s chosen model is one reason the same report can be viewed differently.
myFICO · Different score models ↗WHAT YOU LEAVE WITH
See reported balances, limits and utilization together, with the calculation explained.
Read explanations of account status, account age and hard versus soft inquiries.
Print your explanations, download reviewed facts, or sign in to save them in your private dashboard.