Credit reports
All three bureaus. One screen.
After you verify your identity, CreditGod pulls Equifax, Experian, and TransUnion through our credit data partners. Soft pull to view. No SSN on this site.
File overview
Live UI mock
Equifax
0
+8 · 30d
Experian
0
-2 · 30d
TransUnion
0
+14 · 30d
Pay $2,080 to reach 9% before a car app.
Illustrative sample. Not a live pull.
Per bureau
What you see, three times over
Bureaus don't always agree. You see each file side by side.
| In every report | Equifax | Experian | TransUnion |
|---|---|---|---|
| Score with 30 / 60 / 90-day delta | |||
| Every tradeline, with a confidence label | |||
| Collections and derogatory marks | |||
| Revolving utilization, in dollars | |||
| Inquiry tracker |
Inside the file
Why three reports never quite match.
Every report has the same five sections. What lands in each one depends on who reports to which bureau.
- Personal informationNames, addresses, birth year, employers.Check for: Addresses or names you never used
- Accounts (tradelines)Cards, loans, mortgages: balance, limit, status, payment history.Check for: Wrong balances, late marks, duplicate accounts
- CollectionsDebts sold or assigned to a collector.Check for: Same debt listed twice, wrong dates
- Public recordsBankruptcies are the main one reported today.Check for: Records that aren't yours or are too old
- InquiriesWho pulled your report: hard (you applied) and soft.Check for: Hard pulls you didn't authorize
Each bureau formats its report differently, but all three carry these sections.
| Reports from | EQEquifax | EXExperian | TUTransUnion |
|---|---|---|---|
| Card issuer | |||
| Auto lender | – | ||
| Collection agency | – | – | |
| Utility or phone company | – | – |
Illustrative. Furnishers choose which bureaus they report to, and lenders choose which bureau to pull.
Tools
Scores, math, and the next move.
Three scores. One screen.
Side by side, with 30 / 60 / 90-day deltas.
Utilization coach
Exact dollars to cross 30% and 9%.
Score simulator
Balance $3,200 of $5,000 limit
64%
- To reach 30%Pay $1,700 before the statement closes
- To reach 9%Pay $2,750 before the statement closes
Example card. Utilization is calculated from the balance on your statement, per card and overall. Lower is generally better; results vary.
Sample file
What God Mode sees
Redacted sample UI. Live pulls only after identity verification — never on this marketing site.
File brief, usually in under a minute: scores, utilization, derogatory count, what's disputable, what's not, and your first three moves.
- Disputable
Collection account ····· 4821
Duplicate of account already reporting. Same balance, same open date.
- Disputable
Charge-off — Card A ····· 1190
Paid in full, still showing open. Settlement letter ready to attach.
- Do not dispute
Late pay — Card B ····· 7742
You confirmed the facts are right. It stays out of the queue.
- 64%
Revolving utilization
Pay $1,240 to reach 30%. Pay $2,080 to reach 9%. Exact dollars, not vibes.
Timeline
From verify to re-pull
- 01VerifyKBA or one-time code. Contract and CROA disclosures first.
- 02Pull3-bureau report and scores after the 3-day cancel window.
- 03BriefGod Mode maps the file and ranks first moves.
- 04Re-pullDay 30–45: outcomes logged, next round recommended.
Soft pull to view
Masked numbers
Contracted partners
Questions about this feature
Does viewing my reports in CreditGod hurt my score?
No. Viewing your own credit reports is a soft inquiry, which doesn't affect your credit scores.
How often do my reports refresh in CreditGod?
Your first pull happens after the 3-business-day cancellation window closes. God Mode re-pulls with each dispute round so you can see what changed at each bureau.
Why do my Equifax, Experian, and TransUnion scores differ?
Each bureau keeps its own file, creditors don't always report to all three, and scores are calculated at different moments. See why credit reports differ.
Can I get my credit reports for free somewhere else?
Yes. You can get free reports from all three nationwide bureaus every week at AnnualCreditReport.com. CreditGod adds scores, a plain-English file brief, change tracking, and dispute tools on top.
Do you ask for my Social Security number on this website?
No. Identity verification happens during onboarding inside our credit data partner's secure component. This marketing site never asks for your SSN.
See all three. Then act.
Three bureaus, one manager, one bill at $39.99 a month. 3-business-day right to cancel. Results vary.
30-Day Money-Back Guarantee
Try CreditGod risk-free for 30 days.
If you're not satisfied for any reason, cancel within 30 days of your first payment and we'll refund your subscription fee in full. No questions asked.
A refund of fees, not a guarantee of any credit result. Results vary; no specific outcome is guaranteed. Separate from your 3-business-day right to cancel. Refund policy