How do I connect my credit report to CreditRefresh?
After membership setup, the dispute wizard can request identity verification before connecting report data. Signup asks for the last four SSN digits, while the separate provider-verification form requires the full nine-digit SSN, date of birth and phone.
After membership setup, the dispute wizard can request identity verification before connecting report data. Signup asks for the last four SSN digits, while the separate provider-verification form requires the full nine-digit SSN, date of birth and phone. Report pulls are consumer-initiated soft inquiries. A missing bureau or verification error needs its actual provider result checked, and a freeze is not a default diagnosis. If the correct details fail repeatedly, stop retrying and send support the error and time without your SSN.
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Identify whether the error is in provider verification, a report pull or Analysis & Findings. Those are different steps and do not share one default cause.
CreditRefresh protects your data with encrypted HTTPS connections, encryption at rest, AES-256 encryption on the full copy of each credit report in the CreditRefresh database, and card payments tokenized by the payment processor. CreditRefresh does not sell your personal information for money. In Settings you can turn on two-factor authentication, download your data and delete your account.
A soft pull is a credit check that doesn't affect your score and isn't visible to other lenders — covering things like checking your own credit, pre-approval offers, and the pulls CreditRefresh runs on your reports. A hard pull is a credit check tied to a credit application that does affect your score, usually by a small amount, and stays visible to lenders for two years.
CreditRefresh is an app that uses AI to find errors and FCRA violations on your credit reports, then drafts custom dispute letters to Equifax, Experian, and TransUnion. It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response. You approve every letter before it's sent.