Upload your reports
Add PDF reports from Experian, Equifax, and TransUnion. Our parser extracts the accounts, balances, utilization, and inquiries it can read — and tells you honestly when it can't.
Ascend Today. Own Tomorrow.
Understand what your credit reports actually say.
Upload your bureau reports and get a personalized analysis that helps identify potentially inaccurate, incomplete, outdated, or unverifiable reporting — plus dispute letter drafts that go through a compliance engine, never around it.
Results are not guaranteed. Accurate and timely negative information may remain.
How it works
Get a personalized analysis
The $49 analysis reviews your extracted data, flags items that may be worth a closer look, and gives you a clear next best action. A parser-quality gate blocks recommendations built on shaky data.
Draft dispute letters
Findings become draft dispute letters routed through a compliance engine that blocks prohibited claims and attaches required disclosures. You review every draft.
Pricing
One-time
Credit analysis
$49 once
- Parsing of your uploaded bureau reports
- Account-level findings and risk tiers
- Utilization and 90-day inquiry review
- Compliance-checked draft dispute letters
- A concrete next best action
Results are not guaranteed. Accurate and timely negative information may remain.
Monthly
Repair program
$149 / month
- Everything in the analysis
- Ongoing dispute tracking and follow-ups
- Fresh analysis as your reports update
- Coaching grounded in your own report data
The repair program begins after your $49 analysis is complete. Results are not guaranteed. Accurate and timely negative information may remain.
Frequently asked questions
What does the analysis actually do?
You upload your credit reports as PDFs, and our parser extracts the accounts, balances, utilization, and inquiries it can read. The $49 analysis then highlights items that may be worth reviewing — potentially inaccurate, incomplete, outdated, or unverifiable reporting — and suggests a next best action.
Can you remove negative items or raise my score?
No one can promise that, and we don't. Results are not guaranteed, and accurate and timely negative information may remain on your reports. What we do is help you identify items that may be worth disputing and draft letters that pass our compliance checks.
Where do the dispute letters come from?
Letters are drafted from your analysis findings and run through a compliance engine that blocks guarantee language and other prohibited claims, and attaches the required disclaimers. Every letter is a draft you review before anything is sent.
Is this legal advice?
No. Ascend AI is an educational and support tool, not legal representation. For identity theft, we point you to official channels like IdentityTheft.gov, and we can help you understand the CFPB complaint process.
What happens to my data?
Your reports are used to run your analysis. You can request account deletion from your settings page at any time; some compliance audit records are retained as required by our retention policy, and we tell you exactly which ones when you ask.