Guides
Disputing Credit Report Errors & Knowing Your Rights
Practical, plain-English guides to help you understand your credit report, identify information that may be inaccurate, and use the consumer protections available to you.
- Disputing Errors8 min read
How to Dispute Errors on Your Credit Report: A Step-by-Step Guide
A plain-English walkthrough of how to find potentially inaccurate information on your credit report, document it, and file a dispute with the credit bureaus.
Read guide - Consumer Rights7 min read
Your Rights Under the Fair Credit Reporting Act (FCRA)
An overview of the key consumer protections in the Fair Credit Reporting Act, including your right to see your report, dispute errors, and get results in writing.
Read guide - Debt Collection6 min read
Debt Validation Letters: How to Ask a Collector to Verify a Debt
Learn how the Fair Debt Collection Practices Act lets you request validation of a debt, what collectors must provide, and why timing matters.
Read guide - Consumer Rights5 min read
How Long Do Negative Items Stay on Your Credit Report?
Federal reporting time limits for late payments, collections, charge-offs, and bankruptcies, and how to spot an item being reported longer than allowed.
Read guide - Disputing Errors5 min read
What to Do After a Dispute Is Verified: Method of Verification Requests
If a credit bureau verifies a disputed item, you can ask how it was verified. Here is what the FCRA says and what to do next.
Read guide - Identity Theft6 min read
Fraudulent Accounts on Your Credit Report: Steps to Take After Identity Theft
How to respond to accounts you did not open, including identity theft reports, blocking fraudulent information, fraud alerts, and security freezes.
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