Credit Repair — Free Consultation

Free Credit Repair Consultation

If you have errors on your credit report, you have the right under the Fair Credit Reporting Act (FCRA) to dispute inaccurate, incomplete, or unverifiable items. A free consultation can help you understand your rights and identify what can be disputed.

What Can Be Disputed?

• Inaccurate information — Wrong account balances, dates, or status
• Accounts that don't belong to you — Identity theft or mixed files
• Outdated negative items — Most negatives must be removed after 7 years (bankruptcy: 10 years)
• Unverifiable items — If a creditor can't verify a debt, it must be removed
• Duplicate entries — Same debt listed multiple times
• Incorrect personal information — Wrong name, address, or employment

Your FCRA Rights

• Right to a free copy of your report from each of the 3 bureaus annually (AnnualCreditReport.com)
• Right to dispute any item on your report at no cost
• Right to have disputes investigated within 30 days
• Right to have inaccurate or unverifiable items removed
• Right to add a 100-word statement explaining any dispute