Find the errors across
all 3 of your credit reports
1 in 4 credit reports has a mistake. restu lines up your Equifax, Experian, and TransUnion reports side by side and flags every inconsistency — so you can see exactly where they disagree and what the Fair Credit Reporting Act says about it.
Scan all 3 bureaus · See every mismatch · No subscription
Get your reports free at annualcreditreport.com · Under 2 minutes · No subscription
Prevalence
1 in 4
credit reports has an error
Coverage
3 bureaus
compared line by line
Your cost
$0
to scan all 3 of your reports
How it works
See where your three reports disagree.
Most people never compare their three credit reports line by line. We do it for you and flag every inconsistency across the bureaus.
Get your free reports
Download all three from annualcreditreport.com — free, in a couple of minutes.
We compare all three
Every account lined up across Equifax, Experian, and TransUnion, with each inconsistency flagged.
See your results
A clear, plain-English report of every mismatch and the FCRA accuracy standard it may relate to.
Not satisfied with your report? Email us within 5 business days for a full refund. See our Terms for details.
What your report includes
One payment for a complete, side-by-side comparison of your three credit reports — every inconsistency, explained.
Full 3-bureau comparison
Every account lined up across Equifax, Experian, and TransUnion, so you can see exactly where the three reports disagree.
Plain-English error breakdown
Each inconsistency explained in clear terms — bureau, account, and the FCRA accuracy standard it relates to.
Know your rights
A summary of what the Fair Credit Reporting Act says about inaccurate reporting and the options available to you. We’re not a law firm and this isn’t legal advice.
Private & secure
Your reports are encrypted in transit and at rest and stored privately to your account. Delete them anytime from My Reports.
Money-back guarantee
Not satisfied with your report? Email us within 5 business days for a full refund — no forms, no friction.
What restu checks for
We compare every account across your three reports and flag the kinds of inconsistencies the Fair Credit Reporting Act expects bureaus to get right.
Balances that don’t match
The same account showing a different balance from one bureau to the next — a paid-off card still reporting a balance, or amounts that simply disagree.
Payment-history conflicts
One bureau marking an account late while the others show it current, or late marks that don’t line up across your three reports.
Account-status mismatches
An account reported open on one report and closed on another, or a discharged or settled account still showing as active.
Wrong dates
Open dates, last-activity dates, and date-of-first-delinquency that don’t agree across bureaus — the dates that drive how long items report.
Duplicate accounts
The same debt listed more than once, or a collection appearing alongside the original account it came from.
Items that should have aged off
Negative items still reporting past the timeframe the FCRA generally allows, based on the date of first delinquency.
restu identifies inconsistencies across your reports. It is not a law firm, does not provide legal advice, and does not perform credit repair.
Questions, answered
What does the scan find?
We line up your three credit reports and flag every account or detail that doesn’t match across Equifax, Experian, and TransUnion — along with the FCRA accuracy standard each inconsistency may relate to.
Is this credit repair?
No. We don’t contact the bureaus on your behalf and we don’t promise to change your credit score. We compare your three reports and help you understand the errors and your rights under the FCRA. What you do next is up to you.
What's your refund policy?
If you’re not satisfied with your report, email us within 5 business days for a full refund — no forms, no back-and-forth.
What is the FCRA, and is this legal?
The Fair Credit Reporting Act gives every American the right to accurate credit reports. We help you spot inaccuracies across the three bureaus and understand what the law says. We’re not a law firm and don’t provide legal advice.
I disputed before and nothing happened.
Errors that persist across your reports are worth documenting clearly. Our comparison shows exactly what’s still inconsistent across the three bureaus, so you have an organized record of where they disagree.
Is my data safe?
Your reports are encrypted in transit and at rest and stored privately with your account so you can revisit your analysis. We never sell your data, and you can delete your reports anytime from My Reports.
Find the errors in your credit reports.
Compare all three of your bureau reports and see every inconsistency — clearly explained, with the FCRA accuracy standards that apply.
Scan all 3 bureaus · See every mismatch · No subscription