Resources

Personal credit guides

Reading your reports, disputing errors, collections, repossessions and building credit that lasts.

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CreditGuide7 min read

How to Read Your Credit Report, Section by Section

A plain-English walkthrough of what each part of your credit report means, how to get your reports for free, and what to check for mistakes.

Latest guides

CreditGuide5 min read

Credit Repair in Michigan: Your Consumer Rights, Dispute Laws & Detroit Resources

A complete guide on how Michigan law and the federal FCRA protect you against credit bureau reporting errors, auto deficiency claims, utility collections, and aggressive debt collectors in Wayne County.

CreditGuide6 min read

Building Credit From Zero: A Plain-English Starting Guide

No credit history means lenders have nothing to go on. Here's how to start one: which first steps get reported, the habits that matter, and what to know if you have an ITIN.

CreditGuide7 min read

Collections, Charge-Offs & Repossessions: What They Mean and How Disputes Work

What collection accounts, charge-offs and repossessions are, how long they can be reported, and how disputes and debt validation work.

CreditArticle6 min read

Credit repair: do it yourself or get help?

A lot of what a credit repair company does, you can do yourself for free. Here's an honest look at both paths, what good help can add, and the rules every company has to follow.

CreditArticle6 min read

How Long Negative Items Stay on Your Credit Report

Most negative marks can be reported for seven years and bankruptcies for up to ten. Here's when the clock starts, what it does and doesn't cover, and what you can do in the meantime.

CreditArticle6 min read

Medical Debt on Your Credit Report: What Actually Shows Up

The three bureaus say they leave off paid and small medical collections, and a big federal rule was struck down. Here's what applies now and what to do about a medical bill.

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