Credit Repair Resources: Plain-English Guides to Your Credit Report

Every guide here is free, sourced from the FCRA, CFPB and FTC, and written to help you understand and fix your credit yourself, whether or not you ever hire anyone. Start with the topic that matches your situation.

Credit Report Rules and Timelines

Before you dispute anything, know what the law allows on your report and for how long. These guides explain the rules that decide what can be challenged and what simply has to age off.

Disputes and DIY Credit Repair

Disputing inaccurate information is free and every consumer has the right to do it. These guides walk through the process from pulling your reports to escalating when a bureau gets it wrong.

Rebuilding After a Major Setback

Bankruptcy, collections, divorce and repossession each leave a specific pattern on a credit report. These guides cover what to correct, what to wait out, and how to rebuild in the right order.

Credit Repair Companies, Costs and Your Rights

If you decide to hire help, federal law gives you clear standards. These guides cover what credit repair costs, how to spot a scam, and when you need a lawyer instead.

Loans and Financing With Bad Credit

Sometimes you need to borrow before your credit is fixed. These guides cover the realistic options and how to avoid making your credit worse in the process.

Credit Data and Statistics

Original, sourced data pages on credit scores, report errors and debt. Free to cite with attribution.

Business Credit and Starting a Credit Repair Business

Guides for business owners building business credit, and for people starting a compliant credit repair business.