Free Credit Health Map
Let LUMA help you read your credit report.
Start with personal information, then review accounts, collections, inquiries, and the areas that deserve your attention first.
How the free analyzer works
1. Personal information first
Names, addresses, phone numbers and possible mixed-file signals.
Names, addresses, phone numbers and possible mixed-file signals.
2. Highlight report areas
Collections, charge-offs, late payments, high utilization, inquiries and other tradelines.
Collections, charge-offs, late payments, high utilization, inquiries and other tradelines.
3. Build your first path
LUMA explains what to verify first. Negative does not automatically mean inaccurate.
LUMA explains what to verify first. Negative does not automatically mean inaccurate.
Your first path
Membership unlocks the ongoing journey.
Full account-by-account education, saved progress, future report comparisons, deeper library and law resources, and continued LUMA guidance.