Free tools & help
Everything you need is free and official. Be wary of anyone charging to “repair” your credit — they mostly do what you can do yourself here.
Education only — not financial or legal advice, and we sell nothing. Everything a paid “credit repair” service does, you can do yourself for free with the tools below.
AnnualCreditReport.com
The only federally authorized free credit reports (all three bureaus, weekly).
CFPB — Consumer Financial Protection Bureau
Free guides, sample dispute letters, and a complaint system that works.
NFCC — nonprofit credit counseling
Member agencies offer low/no-cost counseling and debt-management plans.
FTC — “Credit Repair” facts
Why no one can legally remove accurate negative info, and how repair scams work.