Step 4Your planCredit health
Credit health: read your report, find errors, use your rights
Upload your free credit report. We read it, point out items that may be reported wrongly or too long, explain the law behind each one, and help you write and track the letters — with your review before anything is sent.
Education and self-help. Techoclaro is not a law firm or a credit repair company. We help you use your legal rights to dispute errors and demand proof; accurate information can stay on your report, and no one can promise a result.
What we do
- Read your report and list every account, collection, late payment and inquiry.
- Point out possible problems: items older than 7 years, the same debt reported twice, balances that grew, dates that look moved, debt buyers who may lack proof, medical collections, and more.
- Explain each one in plain words, with the exact law it rests on and the other side’s best answer.
- Draft dispute, validation and proof-of-ownership letters that quote the law, put the answer dates on your calendar and remind you.
What we don’t do
- We do not dispute anything you tell us is accurate. Accurate information can stay on your report.
- We do not promise that anything will be removed or that your score will change.
- We never suggest a “CPN”, a new credit identity or “file segregation” — those schemes are illegal.
- We do not calculate a credit score, and we are not your lawyer.
Free and paid
Reading your report, the issues, the explanations, the plan and the letters are free. You can print and mail any letter yourself. If you want us to mail it for you (with USPS tracking or certified mail), each mailed letter has a price that is shown before you approve it.
Know your rights: credit reports and debt collectors