Credit

Fix errors on your credit report yourself — free, and without handing your information to anyone.

• Dispute letter generatorReady-to-mail letters for credit bureaus, the company that reported an error, or a debt collector.
• Dispute letter to credit bureausEquifax, Experian and TransUnion — one letter each, with the right address.
• Dispute letter to a debt collectorDispute a collection or ask for validation of the debt.
• Late payment dispute letterDispute a late payment that's wrong — or ask for a goodwill removal.
• Hard inquiry dispute letterRemove inquiries you didn't authorize.
• Charge-off dispute letterFix double-counted balances, wrong dates and old charge-offs.
• Medical bill dispute letterRemove paid, small or new medical collections.
• Student loan dispute letterFix late payments during forbearance, duplicate loans and forgiven balances.
• Experian, Equifax & TransUnion lettersA letter addressed to one bureau — also for Equifax and TransUnion.
• The truth about 609 lettersWhat section 609 really does, and the letter that works.
• Do HIPAA dispute letters work?What HIPAA lets providers report, and the medical collections that really shouldn't be there.
• Are credit repair companies legit?What they can legally charge and do — and red flags.
• How to repair your credit yourselfThe free, legal steps that actually work — and what credit repair companies can't do.
• Credit card payoff calculatorLower your utilization: see how fast extra payments clear a balance.