TRACE™ scans your credit report, identifies errors and negative items, and generates legally cited dispute letters -- pre-filled with your information and ready to mail.
No monthly subscription. No contracts. No credit card required to start.
Run a demo scan on a sample credit report and see exactly what TRACE™ finds -- duplicate tradelines, missing fields, balance errors, contradictory statuses, and more. Every finding comes with a pre-filled dispute letter you can preview.
The demo uses sample data. When you're ready to scan your own report, your results are real and your letters are ready to mail.
TRACE™ by Kingfluence Financial LLC. TRACE™ is a self-help tool that helps you identify possible errors on your own credit report and generate dispute letters citing the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). It is not a law firm or a credit repair organization and does not provide legal advice. You are never required to pay anyone to dispute inaccurate information — you can dispute directly with the bureaus for free. No specific outcome or credit-score change is promised or guaranteed.
Most people look at their credit report and only see the score. TRACE™ goes deeper. It scans every account, every date, every balance, and every status -- then compares it against your actual information to catch what you'd never find on your own.
TRACE™ does not store, transmit, or share any personal data. Everything stays in your browser.
Upload your credit report. TRACE™ identifies every error and generates FCRA-cited dispute letters -- pre-filled and ready to send.
Step 1 -- Select a Bureau & Upload Your Report
Don't have your report yet? Get all 3 bureaus free at AnnualCreditReport.com -- no credit card, takes 2 minutes.
⚡ Free Scan: Equifax only · 1 error shown · 1 dispute letter · Unlock All 3 Bureaus ($97) →
Extracting account data...
Scan complete
Follow each step to maximize your results. Most people stop after Round 1 -- that's why most people don't see real change.
Built by Kingfluence Financial LLC
TRACE™ is part of the CYNDI™ ecosystem -- the AI financial operating system designed to move you from where you are to where you qualify.
TRACE™ couldn't detect standard credit report data in the file you uploaded.
Please upload the PDF you downloaded directly from AnnualCreditReport.com. That's the only source TRACE accepts -- it's free, takes about 2 minutes, and requires no credit card.
TRACE™ detected that this is the same credit report you uploaded in your previous scan.
For your re-scan to show what actually changed after your disputes, you need a fresh report from AnnualCreditReport.com.
After filing a dispute, you're entitled to a free updated report from any bureau that made changes. You can also request a new free report weekly at AnnualCreditReport.com.
Upload a credit report PDF and TRACE™ will render it page-by-page with possible errors highlighted directly on the page. Click any highlight to see what it means and generate a dispute letter for it. This runs OCR in your browser and can take a minute or two on longer reports.
You started the work -- now let an advisor help you finish it. Get 90 days of hands-on support to clean up your credit, change your habits, and prepare you for whatever comes next.
Your advisor reviews your credit progress every 30 days. You'll see exactly what moved, what didn't, and what to do next.
A full deep-dive into your financial picture -- debt-to-income, spending patterns, income stability, and a personalized roadmap.
If a bureau pushes back, your advisor helps you craft an escalated response with the right documentation and legal citations.
Credit repair without behavior change is temporary. Your advisor helps you build the daily financial habits that keep your score climbing.
So we can pre-fill your dispute letters and compare against your credit report.
Your scan and dispute letters are built from your real information, so we collect it before scanning. It is only used to populate your letters — nothing is stored or transmitted.
🔒 We don't share your info. Unsubscribe anytime.
One-time purchase. No subscriptions.
Secure checkout via Stripe. No recurring charges.