Terms of use

Last updated: November 9, 2026.

Educational information only

Everything on this site is general educational information about credit reports, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. It is not financial advice, legal advice, tax advice, or a substitute for advice about your specific situation. If your situation involves a lawsuit, a home purchase deadline, bankruptcy, or suspected fraud with financial loss, consider speaking with a qualified professional or your state’s consumer protection office.

No guarantees

No outcome is promised or guaranteed. This site does not claim that any dispute, letter, payment order, or other step will remove any item, change any score, or produce any other result. Accurate negative information generally remains on a credit report for the periods federal law allows, and no content on this site suggests otherwise.

You act for yourself

This site is a self-help educational tool. It does not file disputes, send letters, make payments, or communicate with any bureau, creditor, or collector on your behalf, and using a generator on this site does not create an attorney-client, advisor, or service relationship of any kind.

Accuracy of information

Deadlines, addresses, and procedures are checked against official sources when pages are published and are reviewed periodically, but laws and bureau procedures change. Confirm current details with the bureau or the Consumer Financial Protection Bureau before acting. The site is provided as is, without warranties of any kind.

Affiliate disclosure

At launch this site contains no affiliate links and no advertising. If affiliate links are added, each will be identified with a clear disclosure at the point of placement, and only products assessed as genuinely helpful to a reader’s credit file will be eligible for placement.

Acceptable use

The letters and tools here are for disputing information you believe in good faith to be inaccurate, incomplete, or unverifiable, and for managing your own debts. They are not provided for disputing accurate information in bad faith, and nothing here encourages that.