You have the right to dispute any information in your credit files that you believe is inaccurate. Anything a credit repair company can do legally to fix your credit – you can do yourself. We help you get started.
Having a bank account generally makes life easier, but millions in the United States don’t have access to banking. In fact, many feel they can do without a bank account for good. Many studies have given credence to the theory …
Learn why organized records like proof of payment and loan agreements are essential for successfully disputing credit report errors.
A student-friendly guide to credit score components, why they matter for your future, and how to start building credit early.
There are many benefits of having a good credit score. It can make borrowing money much easier, and get you better rates on everything from your mortgage to a car loan. The better your credit, the less risky you are …
Recently filed a credit dispute? Learn how to understand responses from Experian, Equifax, and TransUnion, and what to do if your dispute is rejected.
If you find something wrong on one or more of your credit reports, you have the right to dispute listings with the credit bureaus that generate those reports. But do you really need to contact all of them, or will one dispute do the trick for all three?
Let’s be honest. Having a debt in collections can be overwhelming. Between the phone calls, voicemails, and letters in the mail from debt collectors – it all adds up quickly. Not to mention, a collection on your credit report can …
Most people believe it takes years to recover your credit after filing for bankruptcy. While rebuilding a decent credit score may take a few years, most people can qualify for a low-balance credit card within months of filing for bankruptcy. …
If you’ve been searching for ways to repair your credit, you’ve likely heard that doing so is easy and straightforward. And you’ve probably read several articles that claim credit repair is simple whether you hire an agency to do it …
A comprehensive guide to repairing your credit. Learn the basics, identify what hurts your score, and find DIY steps to build a stronger financial future.
Learn the differences between credit disputes, verification, and validation. Understand your rights under the FCRA to remove negative items from your report.
Get answers to the most frequently asked questions about credit repair. Learn if bad credit can be deleted, how long it takes, and if you should hire help.
What should you do if you are sued for credit card debt? Explore a step-by-step guide to responding, preparing a defense, and reaching a settlement.
Learn about the legal aspects of credit card debt. Find out how to handle a summons, protect your assets, and understand the consequences of a judgment.
Discover tips for credit card debt defense. From answering a summons to negotiating in court, get the help you need to handle a debt collection lawsuit.
Are you being sued for a credit card debt? Find out how to protect your rights, respond to legal notices, and work toward a favorable resolution.
Understand the process of a credit card debt lawsuit. Learn how to prepare for court, what documentation you need, and how to defend your finances.
Dealing with debt collectors may be the last thing you want to do — or feel equipped to handle — but sometimes there is no way around it. If one of your outstanding debts gets transferred to a collection account, you’ve heard about it …
If you default on a credit card debt, the late pays and charge off from the default will stay on your credit reports for 7 years. What about the debt? Once it comes off your credit report, do you still owe …
Has a creditor violated your rights? Find a list of regulatory agencies like the FTC and CFPB to contact if you’ve been treated unfairly or harassed for debt.
Find out how to file a credit dispute to correct errors on your credit report. Learn about types of information you can challenge and what to do if it doesn’t work.
Considering hiring a credit repair firm? Watch for red flags, understand your rights under the law, and learn how to avoid scams that promise impossible results.
Take control of your financial future with our DIY credit repair guide. Learn how to analyze credit reports, dispute negative items, and improve your credit score for free.
Discover how errors land on your credit report from agency mistakes to identity theft. Learn the steps to dispute inaccuracies and boost your score under the FCRA.
A ‘dispute status’ can hinder mortgage approvals. Learn why it happens, how it affects your score, and the steps to remove it before applying for a loan.
Learn about the National Consumer Assistance Plan and how it protects consumers from unfair credit reporting practices, medical debt dings, and government fines.
Has a credit bureau verified a negative item? Learn how to request the ‘method of verification’ to force agencies to provide hard evidence or remove the listing.
Learn the difference between hard and soft credit inquiries. Follow our step-by-step guide to remove unauthorized inquiries that may be lowering your credit score.
Judgments are major credit score killers. Learn three ways to deal with them, including disputing errors, vacating the order, or removing expired entries from your report.
Access our full library of DIY credit repair resources. From sample dispute letters to decoding your report, get the tools you need to fix your credit on your own.