Disclaimer

Not legal or financial advice

Everything on this site is general education. Credit reporting, debt collection, and statute of limitations rules vary by state and by the specific facts of your situation. Nothing here is a substitute for advice from a licensed consumer law attorney, a certified credit counselor, or a tax professional.

We are not a credit repair organization

We do not perform credit repair services, we do not dispute items on anyone's behalf, and we charge no fees for any credit-related service. We are a publisher supported by advertising. References to the Credit Repair Organizations Act (CROA) on this site are explanatory only.

No guaranteed outcomes

Any figures, timelines, or point changes mentioned are illustrative. Accurate negative information generally cannot be removed from a credit report before it ages off, and anyone who promises otherwise should be treated with suspicion.

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Currency of information

Law changes. Each article shows when it was last updated. If you are making a decision with real money or a legal deadline attached, confirm the current rule before you act.