Learn
Plain answers about fixing your credit report yourself, for free. Every guide is checked against federal law and official pages from the FTC and the CFPB, and each one lists its sources.
- How to fix a mistake on your credit reportThe full step by step guide. Start here.
- Credit report mistakes to look forThe errors that show up most, and how to spot them.
- Credit dispute letter: a free sample you can copyA sample letter, what to put in it and where to mail it.
- How to get a collection off your credit reportCheck it, make them prove it, and what to do if it is yours.
- Accounts on your credit report that are not yoursMix up or identity theft, and how to block the accounts.
- How long things stay on your credit reportLate payments, collections, bankruptcy and when they drop off.
- Goodwill letter for a late payment: a free sampleAsk a lender to remove a late payment that really happened.
- Car loan with bad credit: check your report before you shopFix your report, get preapproved and know what to ask.
- Credit repair companies: what they can and cannot doWhat the law allows, red flags, and doing it yourself.
Updated October 13, 2026. General information, not legal advice.