Straight answers about fixing your credit
Most credit repair content is written to sell you a letter template. This site exists to tell you what actually works, what the law actually says right now, and when the honest answer is “you can do this yourself for free.”
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Medical debt Is medical debt on your credit report in 2026?
A federal judge threw out the CFPB rule in July 2025. A lot of advice online never caught up.
Updated Sep 2026
Disputes Do 609 dispute letters actually work?
Section 609 is real. The loophole people sell you is not.
Published Jul 2026
Disputes How to dispute a credit report error
The process is free and it works. Most failed disputes fail for the same three reasons.
Published Jun 2026What makes this different
We date-stamp the law
The rule that would have pulled medical debt off credit reports was struck down in court in July 2025. Plenty of sites still say it’s coming. We keep the legal status current and say when we last checked.
We debunk the myths we could sell you
“609 dispute letters” are the industry’s most profitable myth. We explain why they don’t work as advertised, then show you the dispute process that does.
We answer the messy follow-up
“It got deleted, can it come back?” “Is this collector even real?” The questions people ask after the first article are the ones nobody bothers to answer.
More guides
Disputes How to file a CFPB complaint that gets results
The free step that works, and that nobody selling credit repair wants to tell you about.
Debt law Statute of limitations on debt, and the mistake that restarts it
One payment on a very old debt can hand a collector years they had already lost.
Collections Debt validation letters, and what actually happens after you send one
Most guides stop at the template. The useful part is what comes back.
Disputes Goodwill letters, and how often they actually work
There is no legal right behind this one. It is a favour, and asking well matters.
Collections Pay for delete, and what to actually offer
Collectors buy these debts for pennies. That is the number you are negotiating against.
Disputes How to remove late payments, including on closed accounts
A closed account is the awkward case. The creditor still reports it and has less reason to care.
Credit scores Hard inquiries, and why they matter less than you think
People spend more effort on inquiries than inquiries deserve.
Identity and security Credit freeze vs credit lock
One is a legal right. The other is a subscription with better marketing.
Collections Should you pay a charged-off account?
The popular advice here is the kind that ends in a court summons.
Credit scores Authorized users, and when it backfires
The account arrives with its whole history attached, good or bad.
Rebuilding Secured credit cards, and getting from 500 to 700
The deposit is not the point. The reporting is.
Rebuilding Repossession on your credit report, and the deficiency balance
Losing the car does not end the debt. That surprises almost everyone.
Rebuilding How long bankruptcy stays on your credit report
Ten years on the report is not ten years of being unable to borrow.