Where can I learn More?

You often can find non-profit credit counseling programs offered through:

credit unions
universities
military bases
U.S Cooperative Extension Service Branches ( nifa.usda.gov/extension)

Where can I learn more?

Learn more about debt and credit-related issues at ftc.gov/debt.

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Sample Letter for Disputing Errors on Your Credit Report with Credit Bureaus

What if I pay a Credit Repair Company, and it doesn't live up to its Promise?

What if I pay a Credit Repair Company, and it doesn't live up to its Promise? sue the company in federal court for your actual losses or what you paid the company, whichever is more. seek punitive damages-money to punish the company for violating the law join other people in a class action lawsuit against the company. How do I know If I'm dealing with a Credit Repair scam? insists you pay it before it helps you. tells you not to contact the credit bureaus directly tells you to dispute information in your credit report you know is accurate tells you to lie on your applications for credit loan doesn't explain your legal rights when it tells you what it can do for you. These are all bad ideas, and they'll hurt your credit.

What happens if the investigation finds there's a mistake? What can I do if the investigation doesn't find there's a mistake?

If the investigation finds there was a mistake, the business has to notify all three credit bureaus so they can correct it in your files. The credit bureaus have to give you the results in writing and a free copy of your report if the dispute results in a change. If information on your report is changed or deleted, the credit bureau can't put the disputed information back in your file (unless the business that provided the information certifies that it's accurate and complete.) The credit bureau also has to: send you a notice that includes the name,address,and phone number of the business that provided the information. Send notices of the correction(s) to anyone who got your report in the past six months, if ask send a corrected copy of your report to anyone who got a copy during the past two years for employment purpose, if you ask What can I do if the investigation doesn't find there's a mistake? If the investigation doesn't resolve your dispute with the credit ...

Fixing Your Credit for 2021

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