This form sends PL Credit Lab what we need to review your credit file: a few questions and your three credit reports. It takes about 10 minutes. You'll get a written snapshot of where you stand and your next steps.
Before you start, get your three reports one of two ways:1. Free: download your Equifax, Experian and TransUnion reports from
annualcreditreport.com (free every week) and save each as a PDF.
2. Track as you go: SmartCredit lets you track your Experian, Equifax and TransUnion credit scores in one app, see what's helping or hurting them, and resolve inaccuracies with Action buttons directly with creditors. $1 for a 7-day trial, then $29.99 a month.
Affiliate link: PL Credit Lab earns a commission if you join SmartCredit. SmartCredit® has partnered with Experian, Equifax and/or TransUnion. The free reports work just as well for this review.Lenders also check banking, utility and identity files; if your review shows we need them, we'll tell you which ones and how to get them free.
Never type your Social Security number, date of birth, full account numbers or freeze PINs into this form. We remove those from your reports before anything is stored.
PL Credit Lab provides education and review. We make no promises about deletions, scores, approvals, funding or timelines.