Every guide, in the order we'd read them
Each one is built around questions real people are asking, pulled from Google's own "People Also Ask" results and from help threads on r/CRedit.
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 2026
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.
Published Aug 2026
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.
Published Jul 2026
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.
Published Sep 2026
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.
Published Sep 2026
Collections Pay for delete, and what to actually offer
Collectors buy these debts for pennies. That is the number you are negotiating against.
Published Sep 2026
Industry Are credit repair companies worth it?
They do something real. Whether it is worth $100 a month is a different question.
Published Sep 2026
Credit scores Why your FICO score is lower than Credit Karma
Neither number is fake. They are different products measuring the same file.
Published Sep 2026