Errors on Your Credit Report? You Have the Right to Fix Them
Credit bureaus and the companies that report to them must follow the federal Fair Credit Reporting Act (FCRA). When they report wrong information or ignore your dispute, the law gives you real remedies.
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Common Credit Reporting Problems
If any of these happened to you, the credit bureau or the company reporting the information may have broken the law.
Accounts That Aren't Yours
Debts, inquiries or collections that belong to someone else, often from identity theft or a mixed credit file.
Ignored or "Verified" Disputes
You disputed an error and the bureau marked it verified without a real investigation, or never answered.
Wrong Balances or Late Payments
Paid-off accounts still showing a balance, or late payments reported when you paid on time.
Old Debts That Should Be Gone
Most negative items must come off after 7 years. Old accounts re-aged or still reporting may break that rule.
Duplicate Collections
The same debt listed twice, by the original creditor and a collector, both showing a balance owed.
Errors That Cost You Credit
A loan, card, apartment or job you were denied or charged more for because of wrong information.
What Can You Recover Under the FCRA?
The Fair Credit Reporting Act lets consumers sue credit bureaus and the companies that furnish information when they fail to follow the law (15 U.S.C. §§ 1681n and 1681o).
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How the Free Case Review Works
Consumer Center for Resources is a nonprofit, not a law firm. Read the details.
Learn your rights
Read our free credit report guides to understand what the law says about your situation.
Tell us what happened
Use the form or call us. Share the basics: who you're dealing with, what happened, and any letters or dispute results you have.
We review your request
If it looks like you may have a claim, we connect you with Consumer Action Law Group, an independent consumer protection law firm, which may handle it or refer you to another attorney.
You decide
An attorney explains your options. You are never obligated to hire anyone, and the review is free.
Frequently Asked Questions
Answers about credit report errors and your rights under the Fair Credit Reporting Act.
Ready to Clean Up Your Credit Report?
Tell us what's wrong on your report and what you've tried. We'll review it for free and point you to next steps.
Why Act Now?
- ✓FCRA claims have filing deadlines
- ✓Errors keep hurting your credit until fixed
- ✓Your dispute records are your best evidence
- ✓Run by a nonprofit consumer education organization
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Get Your Free Credit Report Case Review
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Credit Bureau Won't Fix the Error?
Deadlines apply under the FCRA. Get your free, no-obligation case review and find out what your options are.