Credit report help center
Start with the issue on your report. Each page explains how the item is reported, what to check for accuracy, and what your options are under the Fair Credit Reporting Act.
Credit report errors
Learn the most common credit report errors, how to document them, and how to dispute inaccurate information with the credit bureaus under the FCRA.
9 min read
Hard inquiries
What a hard inquiry is, how long inquiries stay on your credit report, and how to review and dispute inquiries you never authorized.
8 min read
Charge-offs
What a charge-off means, how it differs from a collection, how long it reports, and what to review for accuracy on a charged-off account.
9 min read
Collection accounts
How collection accounts are reported, what to check for accuracy, how debt validation works, and how long collections stay on a credit report.
9 min read
Late payments
How late payments are reported, how long they stay on a credit report, how their impact fades, and what to check when a late mark looks wrong.
8 min read
Credit utilization
How credit utilization is calculated, why the statement date matters more than the due date, and how to lower utilization before an application.
8 min read
Credit report review
A systematic way to review your credit report for inaccurate, inconsistent, duplicate or outdated information — section by section, across all three bureaus.
10 min read
Financial readiness
How to assess your financial and credit readiness before applying for a mortgage, auto loan or business funding — and what to fix first.
9 min read
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Start my credit reviewEducational information and self-help software — not legal advice, and not a credit repair organization.