Credit repair usually means one of two jobs: getting inaccurate information off your credit reports, or dealing with old debt without making things worse. You can do both yourself. Disputing a credit report error is free, and the bureau is legally required to investigate.
Fix errors on your credit report
- Credit Dispute Letter Guide + Free Templates: two free letter templates (bureau and furnisher), what to include, where to send them, and what happens in the 30 days after
Disputes fix information that’s wrong, not history that’s accurate. If your reports are accurate but bad, the fix is building positive history; start with how to use a secured card to build credit.
Old debt and collections
- Debt statute of limitations by state: how long a creditor has to sue in each state we cover, what restarts the clock, and every figure cited to the state code
Paying down what you owe
- Debt Snowball & Avalanche Calculator: compare both payoff strategies in dollars and months
- Credit Card Payoff Calculator: months to debt-free at your payment, and total interest
- Credit Utilization Calculator: how much to pay down before your statement closes
If anything here looks wrong or out of date, tell us.