Pages with violations
Credit report errors are common, illegal, and expensive. Vioverse finds every violation on your report and helps you erase it
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Most people never know any of this is sitting on their report.
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The only federally authorized source.
Same answer every time. No AI guesswork.
No AI guesswork. Same answer every time.
You're entitled to a free report from each bureau every year. Here's how to get yours.
This is the only federally authorized source for free credit reports.
We recommend pulling all three: Equifax, Experian, and TransUnion. More reports = more complete analysis.
The site will ask security questions about old addresses and loan amounts. This is normal.
When you see your report, look for a "Download" or "Print" button. Save it as a PDF file.
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This helps us check if reporting has been updated correctly.
This determines which checks we can run. Some require a prior dispute, some don't.
The bureau gets 30 days to investigate, or 45 if your report came from AnnualCreditReport.com.
After investigating, the bureau should have told you what they found.
Check whether the items you disputed changed, stayed the same, or were removed.
The bureau is required to send you the results of their investigation in writing within 5 business days.
For example, a letter calling it frivolous, irrelevant, or a suspicious request, or saying it came from a credit repair company.
This is a separate right you have when an investigation doesn't resolve things: a brief statement of your side that the bureau must add to your file. It only counts if you sent it after the investigation finished; the dispute letter itself isn't a statement.
Look near the disputed item and in any consumer statement section. The report must both mark the item as disputed and carry your statement or an accurate summary of it.
Select what concerns you, or let us check everything.
Your report shows late marks on some accounts. Were you actually late?
Look at the public records section. How is your bankruptcy case described?
We'll only check for bankruptcy-related errors on the accounts you select.
Select any account that isn't yours. Note: a card where you're an authorized user (for example a spouse's or parent's card) can show up on your report. That's normal, not an error.
Either answer counts. This shapes how the dispute is framed.
Filing and discharge are different dates. Enter the day the court discharged you, not the day you filed.
Not sure is fine. Your letters will simply make no discharge-date claim.
For example: name spellings you never used, addresses you never lived at, or an employer you never had.
Select every entry that belongs to the doubled debt (two or more). This often happens when a debt is sold to a collection agency or moved to a new servicer. Note: a transferred debt can legitimately appear once as closed with a zero balance and once with the new company.
These accounts still show a negative status on your report. Tap any you have since paid off or settled. When a debt you resolved keeps reading as unpaid, that can be a reporting error.
For each account you picked, tell us whether you paid it in full or settled it for less than the full amount.
Tap any you didn't open or authorize, or aren't sure about. Recognizing a name doesn't mean the account is yours. Authorized-user cards, same-name relatives, and collectors who bought old debts can all carry a familiar name.
Don't worry if a name looks unfamiliar. Lenders use trade names, debt collectors pull under their own name, and car dealers send one application to many lenders at once. Only tap pulls you can't connect to any application or business dealing.
Hard inquiries usually come from credit applications. Promotional or PRM inquiries sit in a separate section and don't count here. A name you don't know can still be legitimate: lenders often use different trade names, debt collectors are allowed to pull for debts they're collecting, and car dealers send applications to lenders you never heard of. Only count hard inquiries you can't connect to anything you applied for or any account you've had.
One per line. Skip any you'll list on the next screen as connected to your bankruptcy.
Look for inquiries dated after your discharge from lenders on debts in your bankruptcy, or from collection companies chasing those debts. One caution: if you kept your home or car and kept paying, that lender may still have a lawful reason to check, and a chapter 13 mortgage that wasn't discharged also doesn't count.
One per line. These should be companies you recognize as connected to debts in your bankruptcy.
A fraud alert tells lenders to double-check it's really you before opening new credit. A regular alert lasts one year; an extended alert (placed with an identity theft report) lasts seven.
Look near your personal information. It may be a short statement rather than a banner, so check the whole report before answering.
Only new accounts count, not charges on a card you already had.
One per line.
This is stronger than a regular dispute. A block request includes proof of who you are, your identity theft report, the list of fraudulent items, and your statement that they aren't yours; the bureau then has four business days to block them.
If the bureau asked you for more information, the block can wait until you answer. And if items came back after a regular dispute rather than a block, answer that in the dispute questions instead.
One per line.
Old married or maiden names, and misspellings of your real name, are usually fine. This is about names that simply aren't you.
Real old addresses belong on the list. This is about places you never lived.
Walk through a guided scan on a fictional person's credit report. See what the engine catches, and why.
Additional reports must come from the same credit bureau as your first upload.
This report appears to be for a different person than your first upload. Each VioVerse account holds reports for one consumer. To analyze a different person, start a new session.
The name on this report doesn't appear to match your first upload. Are these reports both for the same person?
We can only analyze credit reports downloaded from annualcreditreport.com — the free official source for Equifax, Experian, and TransUnion.
Go to annualcreditreport.comIf you leave now, this scan will probably miss violations.
To analyze your credit report, vioverse needs the official PDF, and the only place to get it is AnnualCreditReport.com. Our guide walks you through it so you come back ready.