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Fixing Your Credit Without the Scams
Disputes, timelines, and what actually moves a score
You can do everything a credit repair company charges you for, free, in an afternoon. This guide shows how to read your reports, which errors are worth disputing and how to word the letter, what your rights are under federal law, how long different marks actually stay on, and which habits move a score versus which ones are internet myth.
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Inside the guide
Table of contents
- 01A Note Before You Begin
- Part One: How Credit Actually Works
- 02Chapter One: What a Credit Score Is and What It Is Not
- 03Chapter Two: The Five Factors That Determine Your Score
- 04Chapter Three: The Three Credit Bureaus and Your Credit Reports
- Part Two: What Damages Your Credit and How
- 05Chapter Four: Late Payments, Collections, and Charge-Offs
- 06Chapter Five: Bankruptcies, Judgments, and Public Records
- 07Chapter Six: Hard Inquiries, New Credit, and Common Mistakes
- Part Three: Disputing Errors and Exercising Your Legal Rights
- 08Chapter Seven: Your Rights Under the Fair Credit Reporting Act
- 09Chapter Eight: How to Dispute Errors on Your Credit Report
- 10Chapter Nine: Dealing with Debt Collectors — Your Rights and Options
- Part Four: Rebuilding Your Credit from Where You Are
- 11Chapter Ten: The Rebuilding Timeline — What to Expect and When
- 12Chapter Eleven: Secured Cards, Credit-Builder Loans, and Authorized User Status
- 13Chapter Twelve: Maintaining Good Credit for the Long Term
- 14A Final Word
- 15Appendix: Forms and Reference Tools
- 16Form 1: Credit Report Review Worksheet
- 17Form 2: Dispute Letter Templates (Bureau and Creditor)
- 18Form 3: Debt Validation Letter Template
- 19Form 4: Debt Payoff Tracker
- 20Form 5: Credit Rebuilding Progress Tracker
- 21Form 6: Monthly Credit Health Checklist
Sample translation
Fixing Your Credit Without the Scamsbefore / after
As written
Upon receipt of notice of dispute, the consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate within thirty days.
In plain English
When you dispute something, the credit bureau has 30 days to actually check it or take it off your report.
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