Everything you need to fix your personal credit.
The FCRA gives you tools to dispute inaccuracies, enforce your rights, and build positive credit history. Here are the playbooks, letter templates, and step-by-step guides—all free and written in plain language.
Know Your Rights
FCRA §609, §611, §623, FDCPA, FCBA, and state-level consumer protections. The statutes that give you every tool to dispute, enforce, and rebuild.
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// topic 02 — liveThe Dispute Process
How credit reporting works (furnishers → bureaus), step-by-step dispute walkthrough, letter templates by scenario, MOV requests, and legal timelines.
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// topic 03 — liveEscalation & Enforcement
CFPB complaints, FTC referrals, State AG complaints, small claims court, and when to hire a consumer-rights attorney.
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// topic 04 — liveCredit Building
Secured cards, credit-builder loans, authorized user strategy, rent/utility reporting, utilization mechanics, and realistic timeline expectations.
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// topic 05 — liveIdentity Theft & Fraud
Fraud alerts vs. freezes vs. locks, FTC IdentityTheft.gov walkthrough, and a recovery plan template with FCRA §605B blocking.
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How personal credit repair works.
Know Your Rights
FCRA, FDCPA, HIPAA — the statutes that protect you and give you enforcement tools.
Enforce
Send dispute letters, validation requests, and follow up. Track every response.
Build
Secured cards, credit-builder loans, and authorized user strategies to rebuild.
Your rights, quantified.
30
days
Bureaus must complete dispute investigations.
45
days
Maximum to update your file after investigation.
3
bureaus
Experian, Equifax, TransUnion — dispute all three.
$0
cost
Every tool here is free. No paid credit repair.