Wrong Balance, Late Payment or Old Debt on Your Credit Report?
Lenders and collectors that report to the credit bureaus must report accurately, and fix what they can't verify once you dispute through a bureau. A wrong balance or a late payment you didn't make can cost you thousands in higher rates.
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Other Credit Report Problems
Errors often come in groups. Check your report for these too.
All Credit Report Errors
The full guide to fixing your credit report under the FCRA.
Read moreIdentity Theft on Your Report
Accounts, inquiries or collections you never opened, put there by someone using your identity.
Read moreCollection Account You Don't Owe
A collector reports a debt that isn't yours, the wrong amount, or doesn't show it's disputed.
Read moreDispute Ignored or "Verified"
You disputed the error and the bureau rubber-stamped it, ignored you, or put it back.
Read moreSomeone Else's Accounts (Mixed File)
A relative's or stranger's accounts mixed into your file because of a similar name or number.
Read moreCommon Account Errors
These errors are often the lender's fault, and the law gives you a way to make it fix them.
Balance on a Paid Account
An account you paid off or settled still shows money owed.
Late Payments You Didn't Make
A 30, 60 or 90-day late reported when you paid on time.
Debts Included in Bankruptcy
Discharged debts still reported with a balance or as past due.
Re-Aged Accounts
A newer delinquency date that keeps an old debt on your report longer.
Debts Past 7 Years
Most negative items must come off after 7 years. Some don't.
Closed Accounts Shown Open
Accounts you closed reported as open, or with the wrong limit, hurting your score.
Free Tools to Fix Your Credit Report
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Credit Report Case Check
A few questions to see if your credit report problem has the signs of a strong case.
StartDispute Letter Builder
A free, ready-to-mail dispute letter for Equifax, Experian or TransUnion, including an identity theft block request.
StartCollection Dispute Letter Builder
A free letter asking a collector to prove the debt and report it as disputed.
StartWhat Can You Recover Under the FCRA?
The Fair Credit Reporting Act lets consumers sue credit bureaus, and the companies that report to them, when they fail to follow the law (15 U.S.C. §§ 1681n and 1681o).
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Get your credit report account error rights evaluated today
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How the Free Case Review Works
Consumer Center for Resources is a nonprofit, not a law firm. Read the details.
Learn your rights
Read our free credit report account error guides to understand what the law says about your situation.
Tell us what happened
Use the form or call us. Share the basics: who you're dealing with, what happened, and any letters or dispute results you have.
We review your request
If it looks like you may have a claim, we connect you with Consumer Action Law Group, an independent consumer protection law firm, which may handle it or refer you to another attorney.
You decide
An attorney explains your options. You are never obligated to hire anyone, and the review is free.
Frequently Asked Questions
Answers about account errors on your credit report.
Lender Won't Fix Your Report?
Tell us which account is wrong and what you've tried. We'll review it for free.
Why Act Now?
- ✓FCRA claims have filing deadlines
- ✓Errors keep hurting your credit until fixed
- ✓Your dispute records are your best evidence
- ✓Run by a nonprofit consumer education organization
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Inaccurate Account Still Reporting?
Deadlines apply under the FCRA. Get your free, no-obligation case review.