Credit repair resources
Free guides from our credit specialists on disputing errors, dealing with debt collectors and building credit. Written to help you whether you work with us or do it yourself.
Collections and debtMedical Debt on Your Credit Report: What Is Removed and How to Dispute ItEquifax, Experian and TransUnion no longer report paid medical collections, medical collections under $500, or medical debt less than one year past due. Unpaid medical collections of $500 or more can still be reported for up to 7 years, because the CFPB rule that would have removed nearly all medical debt was vacated by a federal court in July 2025.Credit repairThe 609 Credit Repair Letter: What It Really DoesA 609 letter is a written request under section 609 of the Fair Credit Reporting Act (15 U.S.C. 1681g) asking a credit bureau to disclose everything in your file and the sources of that information. It is a disclosure right, not a deletion tool: it does not require the bureau to produce your original signed contract or to remove accurate items, and disputes of errors are handled under section 611, which gives the bureau 30 days to investigate.Credit repairYour Credit Report Rights Under the FCRA, FDCPA and CROAUnder the Fair Credit Reporting Act you can see your credit reports for free, dispute errors and have them investigated within 30 days, and sue for violations; under the Fair Debt Collection Practices Act you can demand that a collector validate a debt and stop harassment; and under the Credit Repair Organizations Act a credit repair company cannot charge you before doing the work and must let you cancel within 3 business days. These rights are written into federal statutes, so they stay in force regardless of CFPB staffing or budget.
Credit repair
All 74How to challenge collections, late payments, charge-offs and other negative items, and when to get help.
Credit scores
All 27How scores are calculated, what moves them, and what lenders look for at each range.
Collections and debt
All 14Your rights with debt collectors, debt validation, and how collections affect your credit.
- Medical Debt on Your Credit Report: What Is Removed and How to Dispute It
- Collection Agencies and Your Credit Report: What to Know
- Does Credit Repair Hurt Your Credit Score?
- Does Paying a Collection Remove It From Your Credit Report?
- Does Paying Collections Help Your Credit Score?
- How Do Debt Collections Affect Your Credit Score?
Credit services
All 3Credit monitoring, credit builders and other services, explained.
Sample letters
All 8Free templates for disputes, goodwill requests, debt validation and more.
- Cease and Desist Letter to a Debt Collector (FDCPA 1692c(c))
- Credit Dispute Letter Template (Free Sample for the Credit Bureaus)
- Debt Validation Letter Template (FDCPA Section 1692g)
- Goodwill Letter Template for Late Payments
- Hard Inquiry Removal Letter Template (for Unauthorized Inquiries)
- Identity Theft Credit Dispute Letter (FCRA Section 605B Block)
Debt collector tools
Find out who a collector is, how to reach them and what your rights are.
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