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Credit reports & disputes, in plain language
Short, accurate guides to how credit reporting works and what your rights are. General educational information — not legal or financial advice, and no promises about results.
4 min read
How credit disputes work
The Fair Credit Reporting Act gives you the right to dispute information on your credit reports, and sets deadlines the credit bureaus must meet.
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5 min read
Your rights under the FCRA
A plain-language tour of the consumer protections in the Fair Credit Reporting Act that matter most when reviewing your reports.
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4 min read
What's actually in your credit report
Reports are more than a score. Knowing the sections — tradelines, inquiries, public records, and personal information — makes them far easier to review.
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4 min read
The credit bureaus, and the ones beyond them
Everyone knows Equifax, Experian, and TransUnion. Secondary consumer reporting agencies keep their own files too — and they matter.
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4 min read
What affects your credit scores
Scoring models weigh a handful of factors. Understanding them helps you read your reports — with no gimmicks and no promises.
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3 min read
What to expect from the dispute process
An honest look at timelines and outcomes — so the process feels clear instead of mysterious.
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