Credit education center
Clear answers about your credit reports
Practical guides to reading Equifax, Experian, and TransUnion reports, recognizing inaccurate reporting, disputing it effectively, and understanding your rights under the Fair Credit Reporting Act.
Disputes
How to dispute an account that is not yours
An unfamiliar account on your credit report may be identity theft, a mixed file, or a reporting error. How to tell which, and how to dispute it effectively.
What to do when a credit bureau says an error has been verified
A verified dispute result does not end your rights. Learn how to request the method of verification, dispute with the furnisher, and escalate.
How long does a credit report dispute take?
The legal deadlines for credit bureau reinvestigations, when they can be extended, and what to expect after the bureau responds.
The bureau verified it. The information is still wrong.
Your dispute came back verified but the information is still wrong. What verification means, your rights, and how attorney-directed escalation works. Call (281) 971-0200.
Collections
How to address duplicate collection accounts
When one debt appears two or three times on your credit report. How duplicate collections happen and how to get them corrected.
Collection accounts that are wrong, not yours, or already resolved
A collection that is not yours, already paid, duplicated, or showing the wrong balance. How inaccurate collection accounts are disputed and corrected. Call (281) 971-0200.
Negative reporting
What to know about incorrect charge-off reporting
What a charge-off means, how long it can report, and the balance, date, and status errors that make a charge-off disputable.
Charge-offs reported with the wrong balance, date, or status
Charge-offs reported with a balance after sale, wrong dates, or on accounts you paid. How inaccurate charge-off reporting is identified and corrected. Call (281) 971-0200.
Find out exactly what is wrong on your credit reports.
Send us your information and our team will review all three bureau reports and explain, in writing, which items are inaccurate, which are unverifiable, and what the law allows us to do about them.
Or email info@helpfixmycreditreport.com. We respond to every inquiry within one business day.
Request your free credit report review
Tell us what is happening and our attorney-directed team will respond within one business day. There is no cost and no obligation for the initial review.