They reported it. Make them prove it.
Federal law gives you the right to challenge every item on your credit report and to force debt collectors to prove what they claim. We give you the knowledge, the letters, and the tracking to do it yourself, for free.
111 letter templates built on the FCRA, FDCPA, Regulation F, the UCC and state debt-buyer laws.
The law is on your side. Most people never use it.
Credit bureaus, collectors and debt buyers count on you not knowing the rules they have to follow. When they break those rules, the law gives you leverage, including statutory damages and attorney fees.
30 days to investigate
When you dispute an item, the credit bureau must conduct a reasonable reinvestigation within 30 days. If it can't verify the item, it must delete it.
Collectors must stop and verify
Dispute a debt in writing within the validation period and the collector must stop collecting until it mails you verification.
Prove you own it
When a debt has been sold, you can demand reasonable proof of the assignment. Debt buyers often can't produce a clean chain of title.
Old items must come off
Most negative items must be removed after 7 years from the date of first delinquency. Re-aging that date is a violation.
Stop the calls
Tell a collector in writing to stop contacting you and, with narrow exceptions, it must.
Violations cost them
Willful credit reporting violations carry $100 to $1,000 in statutory damages per violation. Debt collection violations carry up to $1,000 plus actual damages and fees.
How it works
- Pull your reports. Get free reports from all three bureaus at AnnualCreditReport.com, the only official source.
- Add the items you're challenging. Late payments, collections, charge-offs, inquiries, wrong personal information.
- Generate your letters. Pick from the library. Your information and each account's details are filled in automatically.
- Mail them certified. Print, sign, and send with return receipt so you have proof of the date they received it.
- Track the clock and escalate. We count the days. If they don't respond or "verify" without proof, the next letter is ready.
Questions? Talk to a real person.
We're here to point you in the right direction, explain your options and help you use the tools. We don't sign your letters or contact creditors on your behalf. Your disputes carry the most weight coming from you.
Contact us