Errors on your credit report can cost you opportunities. The FCRA gives you the right to dispute inaccuracies and seek damages when they're not fixed.
Expert information to help you understand your rights and options
Credit report errors affect 1 in 4 consumers and can cost you loan approvals, higher interest rates, and job opportunities. Credit bureaus must investigate disputes within 30 days. Learn how to get free credit reports, identify common errors, and exercise your FCRA dispute rights.
The Fair Credit Reporting Act lets you sue credit bureaus that negligently or willfully ignore your disputes. Damages can include actual losses, emotional distress, and $1,000 statutory damages per violation. Learn when FCRA lawsuits are appropriate, what you need to prove, and finding FCRA attorneys.
Effective dispute letters force credit bureaus to investigate and correct errors—or face legal liability. Generic online disputes often fail where detailed written disputes succeed. Learn what to include in disputes, documentation requirements, and follow-up procedures when disputes are rejected.
Mixed files occur when credit bureaus merge two people records—often those with similar names or Social Security numbers. The resulting errors are extremely damaging and hard to fix. Learn how mixed files happen, why standard disputes often fail, and legal remedies for persistent mixed file errors.