You're allowed to dispute your own credit report for free, at any time, directly with the bureaus. This page explains the actual rules — so you can spot a bad template or a bad promise from a mile away.
What actually drives your score, and the glossary terms worth knowing.
What the Fair Credit Reporting Act actually guarantees you.
Rules debt collectors have to follow when contacting you.
What each section of a credit report actually means.
Warning signs of a non-compliant "credit repair" offer.
The FCRA governs how credit bureaus collect and report your information. It's the law behind almost everything a dispute case relies on.
Separate from your credit report, the FDCPA governs how a debt collector is allowed to contact and treat you.
Each credit account you hold — card, loan, mortgage — with its balance, limit, and payment history.
A record every time a lender pulls your report for a credit decision. Too many in a short window can affect your score.
Items like bankruptcies, which stay on file for a set number of years depending on the type.
Unpaid accounts sold or assigned to a collection agency — often the highest-impact items to review carefully.
We'll tell you honestly whether it looks compliant — no charge, no obligation.