A free guide for everyone
Your credit report is confusing on purpose. We are here to help.
Plain-language guides to your credit report, your rights, and what to do when something is wrong. Written by a person, for a person. No signups, no tracking, nothing to buy. Ever.
Free, always.
No signups, no premium tier, no upsells. Nothing to buy.
No tracking.
No analytics, no cookies, no idea who you are. We mean it.
Plain language.
Written for a real person sitting at a kitchen table, not a lawyer.
Where would you like to start?
Pick whichever fits your situation. You can always come back to the others later.
If you are being sued by a debt collector, read this first
Go to Being Sued right now and contact a consumer protection attorney as soon as possible. There are deadlines that matter, and missing them can result in a default judgment against you. This is the one situation where you should not try to handle things alone.
Why you can trust this site
Fair question. Here is the honest answer.
We are not a company. There is no business model. No one gets paid for this. The site is run by an individual on personal time because credit literacy should not be locked behind paid services.
We do not collect any data about visitors. No signup, no email capture, no analytics, no cookies beyond what is strictly required for the site to function. We genuinely do not know who visits or what they read.
We are not affiliated with any government agency, credit bureau, financial institution, debt collector, or credit repair company. We do not refer you to paid services. We do not earn commissions.
We are not lawyers. Everything on this site is educational information. If you have a specific legal situation, you need a qualified attorney.