Debt Validation and Credit Report Disputes Are Different Rights
A debt validation request addresses collection information. A credit report dispute addresses information appearing on a consumer report.
Credit Repair Choices
Scams & Rights
What Credit Repair Companies Can and Cannot Legally Do
A company can help organize and send legitimate disputes. It cannot legally create a new identity or guarantee the removal of accurate information.
How to Tell the Difference Between a Real Debt Collector and a Scam
Some scam calls sound close enough to real debt collection to create panic. Official CFPB and FTC guidance can help you slow the call down and look for the right details.
What to Do When a Debt Collector Contacts You About an Account You Do Not Recognize
An unfamiliar collection account can point to a record mix-up, stale data, or identity theft. Here is how to slow the process down and check the facts before you pay or agree to anything.
How to Spot an Advance-Fee Credit Repair or Debt Relief Scam
Promises to erase debt or fix credit for an upfront fee should slow you down. Here are common warning signs and what official guidance says consumers can do for themselves first.
Questions to Ask About Consumer Complaints
A practical guide to consumer complaints, the records to check, and the next steps to consider.
Common Mistakes People Make With Consumer Complaints
A practical guide to consumer complaints, the records to check, and the next steps to consider.
A Step-by-Step Checklist for Consumer Complaints
A practical guide to consumer complaints, the records to check, and the next steps to consider.
What to Know About Consumer Complaints Before You Act
A practical guide to consumer complaints, the records to check, and the next steps to consider.
Questions to Ask About Identity Theft Recovery
A practical guide to identity theft recovery, the records to check, and the next steps to consider.