Free breach check & credit review

Identity theft on your credit? See what’s there — and what to do first.

Stolen data and fraud can leave accounts and inquiries you never authorized on your report. Start with a free breach check, then get a clear read on what’s actually there from a specialist at MSI Credit Solutions.

Check if my info was exposed See how it works →

No credit card · no obligation · phone optional · your info is never sold.

19+years helping consumers
70,000+clients helped
4.8★Google rating
$0to start
Start with a free breach check

Has your info been exposed?

Check your email against known data breaches — free, instant, and private.

We check your email against the Have I Been Pwned breach database and may follow up about protecting your credit. We never sell your information.

If something looks off

Identity theft usually shows up on your credit before anywhere else

A breach leaks your data; thieves use it to open accounts and run inquiries in your name. Those land on your credit report — often months before you notice. A quick look tells you what’s actually there.

Spotting it early matters. The sooner you find accounts or inquiries you didn’t authorize, the sooner they can be flagged with the bureaus and disputed.

A credit report beside a phone showing a security lock, with a security-alert notice
Three tools, three different jobs

Freeze, fraud alert, and dispute aren’t interchangeable

The right step depends on whether you’re preventing new misuse, warning creditors, or fixing damage that’s already showing. A breach match alone doesn’t prove identity theft.

Credit freeze — preventMakes it harder for someone to open new credit in your name.
Fraud alert — warnTells creditors to take extra steps to verify it’s really you.
Report & dispute — correctAddresses fraudulent accounts, inquiries, or information already on your reports.

Free help: get a personalized recovery plan at IdentityTheft.gov — and lock down new credit with our step-by-step guide to freezing your credit.

Credit freezes, fraud alerts, and identity-theft recovery (FTC).

What fraud looks like on a report

What may not belong on your report

When identity theft hits your credit, it leaves traces — accounts, inquiries, or addresses you don’t recognize. Some are outright fraud; others are errors. Either way, you want to catch them early.

The good news: once you can see what’s actually on the report, each item becomes something you can understand and act on — that’s the whole point of the free review.

A person talking through their credit report with an MSI specialist by phone
A real person, not a bot

You’ll talk to an actual credit specialist

No call-center script, no upsell ambush. A specialist at MSI Credit Solutions goes through your report with you, helps you spot anything you didn’t authorize, and explains how to flag and dispute it.

It’s free, takes about 15 minutes, and there’s no obligation to do anything afterward.

Start my free review
A clear path forward

What you’ll know after the free review

No pressure, no jargon — just a straight answer and a plan.

1

Tell us what happened

A quick 15-minute call. Share what you’re dealing with — and we look at what’s actually on your credit report.

2

We pinpoint what may be hurting you

We go through the specific items on a report that can cause trouble — and flag what may apply to you.

3

You leave with a realistic plan

A clear, honest action plan: what may be disputable, what to rebuild, and a realistic sense of timing.

We can’t guarantee approvals or a specific score increase, and we can’t remove accurate information. What we can do is show you what’s affecting your credit, what may be disputable, and exactly what to do next.

What you’ll walk away with

  • What accounts, inquiries, or addresses are actually on your report
  • Which items you may not recognize — and may be fraud
  • How to flag and dispute unauthorized activity
  • A clear next step to protect your credit going forward
Why people trust the review

Backed by MSI Credit Solutions

19+
years helping consumers
70,000+
clients helped
4.8★
Google rating
$0
no credit card to start
Common questions

Questions people ask

How do I know if my identity was stolen?

Warning signs often show up on your credit report first — accounts you didn’t open, inquiries you didn’t authorize, or an unfamiliar address. A free breach check tells you whether your email appeared in a known data breach, a common early signal.

What should I do if there’s fraud on my credit report?

Three different tools help: a credit freeze prevents new accounts, a fraud alert warns creditors to verify it’s really you, and a dispute corrects fraudulent items already reporting. IdentityTheft.gov offers a free federal recovery plan.

Is the breach check safe and free?

Yes. It checks your email against the Have I Been Pwned breach database — an email lookup only, no credit data — and it’s free. A breach match alone doesn’t prove identity theft, but it’s a reason to look closer.

What’s the difference between a credit freeze and a fraud alert?

A freeze locks new credit from being opened in your name until you lift it. A fraud alert tells lenders to take extra steps to verify your identity. They serve different purposes and can be used together.

See what’s on your report — free

Start with a free breach check, then a 15-minute review helps you spot what may be fraudulent or inaccurate — and exactly what to do next. No credit card, no obligation.

Check if my info was exposed

Takes about 60 seconds to request · phone optional · no credit card · your info is never sold.

Free Review Request
Your information is private and never sold. Submitting this form requests a free consultation — it is not a contract and does not begin any service. You can cancel any agreement you later sign within 3 business days.
  • Takes about 60 seconds
  • No credit card
  • Private request