Talk to someone, free
You do not have to do this alone, and you should never pay up front to “fix” credit.
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.
A free nonprofit credit counselor
Members of the National Foundation for Credit Counseling (NFCC) review your report and budget with you, usually free. Find one at nfcc.org.
Find an NFCC counselorFree legal help
If you are sued over a debt, or a company ignores these rules, a legal aid office or a consumer lawyer can help. Many FCRA and FDCPA cases are taken without an upfront fee.
Find legal aid near youFile a complaint
The CFPB takes complaints about credit bureaus and collectors at consumerfinance.gov/complaint, and forwards them to the company.
consumerfinance.govWarning signs of a credit repair scam
- They charge before doing any work (federal law forbids it).
- They promise to remove accurate negative information.
- They tell you to use a “CPN” or a new identity, or to dispute everything.
- They tell you not to contact the credit bureaus yourself.