FCRA Compliant · Official 3-Bureau Gateway • 2.9B+ Leaked Public Records Indexed • $410M+ Saved in Loan & Mortgage Interest • ★ Rated 4.9 / 5 by 35,000+ Consumers • Live Bureau Records · All 50 US States • TransUnion, Experian & Equifax Live Feed • 100% Soft Pull · Zero Score Impact Guaranteed • 256-Bit SSL Bank-Grade Encryption • 30-Second Instant Report Delivery •
FCRA Authorized · All 50 States · Soft Inquiry Only

1 in 3 Credit Reports
Has a Hidden Error.

Find out before applying for a mortgage, auto loan, or lease. Inaccurate collections, unauthorized hard inquiries, late marks, and score discrepancies across TransUnion, Experian & Equifax — tri-merge compilation in under 30 seconds. Zero score impact.

3-Bureau Identity & Credit File Search

Provide your legal identity details to retrieve official TransUnion, Experian & Equifax files.

256-Bit SSL Encryption • 100% Zero-Footprint Soft Pull • FCRA § 609 Authorized Gateway
FCRA-Compliant Gateway
Zero Score Impact (Soft Pull)
30-Second Delivery

Unified Data Feeds & Bureau Protocols

TRANSUNION®
EXPERIAN®
EQUIFAX®
DUN & BRADSTREET®
FICO® SCORE 8
NATIONAL PUBLIC DATA (NPD) SURVEILLANCE
VANTAGESCORE® 4.0
FCRA § 609 COMPLIANT
256-BIT SSL BANK ENCRYPTION
50-STATE CLEARINGHOUSE
TRANSUNION®
EXPERIAN®
EQUIFAX®
DUN & BRADSTREET®
FICO® SCORE 8
$410M+
Saved in mortgage & auto loan interest
2.9B+
Leaked identity & SSN records indexed
3 Bureaus
Synced simultaneously in real-time
1.8M+
Confidential tri-merge reports pulled
<30s
Instant zero-footprint delivery
Breach Intelligence

2.9 Billion Leaked Records Indexed · Live Dark Web Exposure Scanner

The 2024–2026 National Public Data (NPD) and financial aggregator leaks exposed 2.7B+ SSNs, addresses, and credit records. Check your compromised status instantly.

Latest Major Leaked Databases Indexed

Cross-matched 24/7 against underground markets and paste dumps.

National Public Data (NPD) Archive

2.7 Billion US citizen records · Full SSN, Names, 30-Year Address History

CRITICAL EXPOSURE · AUG 2024
Auto Lending Broker Network Dump

48M Inquiries · Bank Account Details · Stolen Loan Applications

HIGH RISK · JAN 2025
Healthcare & Medical Billing Clearinghouse

130M Patient Profiles · Collection Account Hashes

DISPUTABLE DEBT · ACTIVE FEED

Run Instant Identity & SSN Breach Scan

Check if your email, phone, or state credit file has been compromised in any known leaked database.

Initializing breach scan...
2 High-Risk Exposures Detected in Public Dumps

Your identity hash matches records found in the National Public Data Archive and Auto Finance Broker Leak. Fraudulent inquiries or unauthorized accounts may be pending on TransUnion, Experian, or Equifax.

Unlock Full Tri-Merge Breach Report ($0 Trial)
Scanning is confidential · 100% Zero Score Impact · 256-Bit Encrypted
Borrower Economics

See How Much A Low Credit Score Costs You Every Month

Lenders charge up to 3x higher APR rates if your 3-bureau report has errors or drops below 720. See your exact potential lifetime savings.

Select Current Score Bracket:
Estimated Lender APR Rate: 15.8% APR
Estimated Monthly Payment: $848 / mo
Total Extra Interest Overpaid to Bank: $11,760
Potential Lifetime Savings With Prime FICO 8
$11,760
Money that stays in your pocket instead of bank profit.
Check Exact 3-Bureau FICO® Score ($0)
100% Soft Inquiry · Zero Score Impact · 30-Day $0 Trial
Interactive Report Explorer

Click Through A Live 3-Bureau Report

Explore what is included in your confidential file across credit lines, dispute flags, inquiries, and dark web identity surveillance.

Revolving & Installment Credit Tradelines

Verified account balances, limits, and 24-month payment history reported across TransUnion, Experian & Equifax.

Unlock My Tradelines ($0)
Creditor / Bank Account Type Credit Limit Balance TransUnion® Experian® Equifax® Payment Status
Chase Freedom Unlimited Revolving Credit $12,500 $1,420 (11%) Synced Synced Synced 100% On-Time
Capital One Auto Finance Auto Installment $32,000 $14,800 Synced Synced Synced Paid As Agreed
American Express Gold Card Open 30-Day Card N/A $430 Synced Synced Synced Current / Good
Legal Dispute Engine

1-Click FCRA Section 609 Legal Dispute Generator

Under 15 U.S.C. § 1681g, credit bureaus must physically verify any challenged tradeline within 30 days or permanently delete it. Included in your $0 trial.

Why this works: Federal law places the strict burden of proof on the bureau. If the original collection agency cannot provide wet-ink validation contracts within 30 days, FCRA § 611 mandates total deletion.
Generate Official Dispute Packet ($0)
PREVIEW ONLY · § 609 NOTICE
DATE: October 4, 2026
TO: TransUnion Consumer Solutions — FCRA Dispute Division
FROM: [CONSUMER LEGAL NAME REDACTED]
SUBJECT: FORMAL NOTICE OF DISPUTE UNDER 15 U.S.C. § 1681g (FCRA SECTION 609)

Pursuant to my rights under federal Fair Credit Reporting Act § 609 and § 611, I am formally contesting the following reporting error on my credit file:

DISPUTE CLAIM: Inaccurate Medical Collection Account #98210 reported by Phoenix Recovery. Under 15 U.S.C. § 1681g (FCRA § 609), I demand physical certified validation of the original contract or immediate permanent deletion from my file.

Under federal statute 15 U.S.C. § 1681i, you have precisely thirty (30) days from receipt of this notice to conduct an independent re-investigation. If the furnisher fails to provide certified verification, this tradeline must be promptly expunged.
Feature Comparison

Why Free Apps Leave You Blind To Lender Rejections

Credit Karma and banking apps only show 2 bureaus and VantageScores that 90% of lenders ignore.

Reporting Feature Free Apps (Credit Karma) AegisFinan 3-Bureau
Experian® Bureau Coverage × Missing (TransUnion/Equifax only) ✓ Included (Live Experian Feed)
Scoring Model Used VantageScore 3.0 (Ignored by 90% banks) Official FICO® Score 8 (Used by 90% lenders)
Auto & Mortgage Score Versions × None ✓ Full Industry FICO Models
2.9B+ Dark Web Leaked DB Scanner Basic Email Only ✓ SSN, Dumps & National Public Data
FCRA § 609 Dispute Letter Builder × No Legal Tools ✓ 1-Click Pre-Filled Letters
Credit Impact Guarantee Soft Inquiry 100% Zero-Footprint Soft Pull
Access Pricing Ad-Supported 30-Day $0 Promotional Trial
Credit Scoring Mechanics

How Your 3-Bureau FICO® Score Is Calculated

FICO® 8 algorithms evaluate five core pillars. Understanding your weight distribution helps optimize loan approval odds.

35%
Payment History
On-time payments across cards, mortgages, and installment loans. Single 30-day late can cost 50+ points.
30%
Credit Utilization
Ratio of balances to total credit limits. Keeping utilization under 10% maximizes score gains.
15%
Length of Credit
Average age of all open accounts and age of oldest tradeline. Older accounts demonstrate stability.
10%
Credit Mix
Healthy balance between revolving accounts (credit cards) and installment loans (auto, mortgage).
10%
New Inquiries
Frequency of hard credit applications. Soft pulls through AegisFinan have 0 impact on this factor.
Enterprise & Commercial Solutions

Business Credit & Tenant Screening Intelligence

FCRA-compliant credit reporting tools engineered for small business owners, real estate landlords, auto dealerships, and commercial brokers.

Small Business Credit Reports

Monitor your company's D&B PAYDEX®, Experian Intelliscore Plus™, and Equifax Commercial files to secure prime vendor terms and business financing.

Dun & Bradstreet · Experian Commercial

Tenant & Applicant Screening

Instant soft-pull credit reports, eviction court history, and nationwide criminal background checks for US property managers and independent landlords.

FCRA Certified · 50-State Eviction DB

Commercial UCC & Lien Surveillance

Automated real-time notifications whenever a tax lien, judgment, or UCC filing is recorded against your corporate entity across state registries.

Instant Secretary of State Feed

Need Commercial or Tenant Screening Access?

Activate an enterprise trial for your business with full 3-bureau & D&B reporting.

Start Business $0 Trial →
Access Plans

Simple, transparent pricing.

Start with our risk-free 30-Day $0 Promotional Trial. Cancel anytime online with 1-click.

Single Bureau Check
$0 / trial
Basic 1-bureau overview
✓
TransUnion® Score Only
✓
Soft Inquiry (No Impact)
×
Experian & Equifax Sync
×
Dark Web SSN Monitoring
MOST POPULAR
Full 3-Bureau Tri-Merge
$0 / 30-day trial
Then $29.95/mo · Cancel anytime
✓
TransUnion, Experian & Equifax
✓
100% Zero-Footprint Soft Pull
✓
2.9B+ Leaked DB & SSN Scan
✓
FCRA § 609 Dispute Builder
Commercial & Business
$0 / trial
D&B + 3-Bureau Business Access
✓
All 3 Consumer & D&B Reports
✓
Commercial UCC & Lien Alerts
✓
Tenant & Applicant Screening
✓
Priority 24/7 Commercial Desk
Consumer & Business Feedback

Trusted by over 35,000 Americans & Businesses.

See how checking all three bureaus helped borrowers and small businesses protect their credit and save money.

★★★★★
"Found an inaccurate collections account on my TransUnion report that wasn't showing up on free single-score apps. Generated a Section 609 dispute letter and bumped my score 38 points before buying my first home!"
MT
Marcus T.
Dallas, TX · Verified Member
Saved $14,200 on Mortgage
★★★★★
"We use AegisFinan for tenant applicant screening across 18 rental units in California. The instant soft-pull credit reports and eviction history checks are flawless and save us hours."
RH
Robert H.
Austin, TX · Property Manager
Commercial Partner
★★★★★
"The Dark Web scanner alerted me that my SSN was leaked in the NPD dump. I was able to lock all three bureau files before any fraudulent loans could be opened."
DR
David R.
Chicago, IL · Verified Member
SSN Leak Shielded
Common Questions

Frequently Asked Questions

No. Accessing your credit profile through AegisFinan creates an educational "soft inquiry" under federal law. Soft inquiries have zero impact on your credit score and are never visible to lenders.
Creditors and lenders are not required to report to all three bureaus. Some only report to one or two, resulting in differing credit histories, balances, and score calculations across the three agencies.
We continuously monitor underground repositories, dark web forums, and major public breaches (including the 2.7B National Public Data dump) to alert you if your SSN, phone number, or accounts have been exposed.
You receive immediate 30-day access to your complete 3-bureau credit reports, scores, dispute builder, and alert monitoring for $0. If you keep the service, it continues at the standard monthly membership rate ($29.95/mo). You can cancel at any time online without penalty.
Section 609 of the Fair Credit Reporting Act grants you the legal right to demand verified proof of any tradeline. Our tool generates pre-filled legal dispute packets that you can submit directly to TransUnion, Experian, or Equifax.
Yes. All transmissions are protected with bank-grade 256-Bit SSL encryption and comply with federal FCRA consumer data protection standards.

CHECK ALL 3 CREDIT BUREAUS.
ZERO SCORE IMPACT.

2.9 Billion leaked records indexed. Instant 30-second report delivery. Start your $0 trial now.

Check 3-Bureau Report Free →