Straight answers about fixing your credit
Most credit repair content is written to sell you a letter template. This site exists to tell you what actually works, what the law actually says right now, and when the honest answer is “you can do this yourself for free.”
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Medical debt Is medical debt on your credit report in 2026?
A federal judge threw out the CFPB rule in July 2025. A lot of advice online never caught up.
Updated Sep 2026
Disputes Do 609 dispute letters actually work?
Section 609 is real. The loophole people sell you is not.
Published Aug 2026
Disputes How to dispute a credit report error
The process is free and it works. Most failed disputes fail for the same three reasons.
Published Jun 2026What makes this different
We date-stamp the law
The rule that would have pulled medical debt off credit reports was struck down in court in July 2025. Plenty of sites still say it’s coming. We keep the legal status current and say when we last checked.
We debunk the myths we could sell you
“609 dispute letters” are the industry’s most profitable myth. We explain why they don’t work as advertised, then show you the dispute process that does.
We answer the messy follow-up
“It got deleted, can it come back?” “Is this collector even real?” The questions people ask after the first article are the ones nobody bothers to answer.
More guides
Disputes How to file a CFPB complaint that gets results
The free step that works, and that nobody selling credit repair wants to tell you about.
Debt law Statute of limitations on debt, and the mistake that restarts it
One payment on a very old debt can hand a collector years they had already lost.
Collections Debt validation letters, and what actually happens after you send one
Most guides stop at the template. The useful part is what comes back.
Disputes Goodwill letters, and how often they actually work
There is no legal right behind this one. It is a favour, and asking well matters.
Collections Pay for delete, and what to actually offer
Collectors buy these debts for pennies. That is the number you are negotiating against.