Credit problems
Credit Problems We Help With
Every negative item on a credit report has rules it must follow. Choose the problem you’re facing to learn your rights and your options.
Collections
How collection accounts work on your credit report, your debt validation rights under the FDCPA, the 7-year reporting rule, and common collection reporting errors you can dispute.
Read the guide →Charge-Offs
What a charged-off account means, how long it stays on your credit report, how charge-offs should be reported after a sale, and the errors you can dispute.
Read the guide →Late Payments
How late payments are reported, why accuracy matters, when a late payment may be reported in error, goodwill requests, and how long late payments stay on your credit report.
Read the guide →Repossessions
Your rights when a car or other property is repossessed, deficiency balances, required notices under the Uniform Commercial Code, and repossession reporting errors to dispute.
Read the guide →Foreclosure
How foreclosure is reported, your mortgage servicer’s duties under RESPA and Regulation X, notices of error, and the foreclosure reporting mistakes you can dispute.
Read the guide →Bankruptcy
How long bankruptcy stays on your credit report, how discharged accounts must be reported, the discharge injunction, and common post-bankruptcy reporting errors.
Read the guide →Hard Inquiries
What hard and soft credit inquiries are, permissible purpose under FCRA § 604, how long inquiries stay, rate shopping, and how to challenge unauthorized inquiries.
Read the guide →Medical Debt
Current rules for medical collections on credit reports, the credit bureaus’ medical debt policies, state protections, and medical billing errors you can dispute.
Read the guide →Student Loans
How federal and private student loans are reported, default and loan rehabilitation, discharges, and student loan reporting errors you can dispute.
Read the guide →Identity Theft and Your Credit Report
How to recover from identity theft: FCRA § 605B blocking, fraud alerts, free security freezes, IdentityTheft.
Read the guide →Inaccurate Information
The most common credit report errors — mixed files, wrong personal information, duplicate accounts, wrong balances and dates — and how the FCRA requires them to be corrected.
Read the guide →Ready to take control of your credit?
Start your credit transformation today. We will review your situation and show you your options — honestly.