The FCRA gives you every tool to dispute inaccuracies, enforce your rights, and build positive credit history. Here are the playbooks, letter templates, and step-by-step guides — all free, all inspectable on GitHub.
FCRA §609, §611, §623, FDCPA, FCBA, and state-level consumer protections. The statutes that give you every tool to dispute, enforce, and rebuild.
coming soon
How credit reporting works (furnishers → bureaus), step-by-step dispute walkthrough, letter templates by scenario, MOV requests, and legal timelines.
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CFPB complaints, FTC referrals, State AG complaints, small claims court, and when to hire a consumer-rights attorney.
coming soon
Secured cards, credit-builder loans, authorized user strategy, rent/utility reporting, utilization mechanics, and realistic timeline expectations.
coming soon
Fraud alerts vs. freezes vs. locks, FTC IdentityTheft.gov walkthrough, and a recovery plan template with FCRA §605B blocking.
coming soon
FCRA, FDCPA, HIPAA — the statutes that protect you and give you enforcement tools.
Send dispute letters, validation requests, and follow up. Track every response.
Secured cards, credit-builder loans, and authorized user strategies to rebuild.
30
days
Bureaus must complete dispute investigations.
45
days
Maximum to update your file after investigation.
3
bureaus
Experian, Equifax, TransUnion — dispute all three.
$0
cost
Every tool here is free. No paid credit repair.