Learn how credit really works
A practical starting point for understanding credit reports, possible errors and your options. Everything here is free, and you can use it without our service.
Take your first step today
Use these independent resources without joining CreditFixRS. The links below take you to the official providers.
1. Get your reports
Request reports from Equifax, Experian and TransUnion through the official free-report site. Keep each report and its date for your own records.
Visit AnnualCreditReport.com →2. Review the details
Compare accounts, balances and payment dates with your records. A different company name or an older balance needs context before you decide it is an error.
Read the FTC report guide →3. Document a possible error
Explain the specific discrepancy, keep supporting copies and save submission records. The CFPB guide includes bureau contact routes and sample letters for consumers.
Read the CFPB dispute guide →Concerned about identity theft?
Visit IdentityTheft.gov for the FTC’s recovery resources. An unfamiliar account alone does not establish identity theft. Do not send identity documents or credit reports through our contact form.
General education only. These resources are independent of CreditFixRS and do not imply an affiliation or endorsement. Source links checked September 22, 2026.
Your rights, in plain language
You do not need to pay anyone to understand or fix your credit, and you can dispute errors yourself for free. These are the things worth knowing first.
Get your free reports
You can get free reports from each of the three nationwide bureaus through AnnualCreditReport.com. Reviewing your own report never affects your credit.
Dispute your own errors
You can dispute information you believe is inaccurate directly with each bureau, at no cost. You do not need a company to do it.
Know what is not allowed
No one can promise a specific score or the removal of accurate, timely information. Anyone who does is misleading you.
What affects your score
Payment history, amounts owed, length of history, new credit and credit mix are the familiar factors. Details vary by scoring model.
How long items stay
Most negative information stays about seven years, with specific rules and exceptions. Bankruptcy can stay longer. The rules depend on the type of item and the relevant date.
Habits that help
Paying on time, keeping balances low relative to limits, and letting accounts age are the durable basics. There is no shortcut that beats them.
Watch for promises that cannot be kept
Be cautious of anyone who guarantees a score increase, offers to remove accurate information, or asks you to pay for a service before it has been fully performed. You have the right to dispute information yourself for free, and to cancel a credit-repair agreement within the period the law allows.
If a situation involves potential identity theft, a mixed credit file, or a legal question, those need specialist help rather than a general credit-repair service.
Questions about your own situation?
Contact us for general information. Please do not send credit reports, Social Security numbers or identity documents.
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