Inaccurate credit reporting
Accounts, balances, payment histories, or statuses that do not match your records.
Learn moreConsumer credit advocacy
Your credit report should tell the truth.
When inaccurate reporting, mixed files, identity theft, or aggressive collection activity disrupts your life, knowing your rights is the first step toward taking control.
Plain-language guidanceConfidential intakeEvidence-first review
01Document the problem
02Preserve dispute records
03Understand the response
04Evaluate legal options
Issues we review
Problems that can follow you everywhere
Credit reporting problems can affect housing, employment, insurance, borrowing, and peace of mind. Each situation starts with the records.
Identity theft and fraud
Accounts or inquiries created without your permission, including repeat reporting after notice.
Learn moreDebt collection conduct
Harassment, misleading statements, repeated calls, or collection of a debt you do not recognize.
Learn moreMixed or merged files
Another consumer’s information appearing in your file because of similar names or identifiers.
Learn moreA disciplined process
From confusion to a documented claim
Strong consumer cases are built with dates, letters, reports, responses, and measurable harm—not assumptions.
View the full process- 1
Collect
Gather current reports, correspondence, notices, and proof of identity.
- 2
Dispute
Clearly identify the error and preserve delivery and response records.
- 3
Compare
Track what changed, what did not, and what new information appeared.
- 4
Review
Evaluate facts, deadlines, damages, and available remedies.
Featured guide
How to organize a credit dispute file
A practical checklist for reports, certified mail receipts, account statements, denial notices, screenshots, and communication logs.
Read the consumer guideStart with the facts
Tell us what happened.
A confidential intake helps organize the issue and determine whether further review may be appropriate.