Capitol Credit RebuildA service of The Capitol Fund

Capitol Credit Rebuild

Three Ways to Work on Your Credit

Start with our free do-it-yourself credit guide, choose professional help from an independent credit-repair provider, or download our free Business Credit Readiness Kit.

Option 1: Do it yourselfOption 2: Get helpOption 3: Business credit kit

Option 1

Build Your Own Credit-Rebuild Plan

Start by getting your credit reports, reviewing each item carefully, disputing information you believe is inaccurate, and building stronger credit habits over time. Our free Credit Rebuild report explains the basic process and includes sample dispute letters and credit-bureau contact information.

Download the Free Credit Rebuild Guide

Educational information only. Accurate negative information generally cannot be legally removed simply because it is unfavorable. No particular credit-score change or result is guaranteed.

Option 2

Prefer to Have Someone Help?

The Credit People is an independent company offering paid credit-repair services. Visit its website to review the service, current pricing, terms, and consumer disclosures before enrolling.

Visit The Credit People

The Capitol Fund may receive a commission if you enroll through this link. Credit-repair services are provided by The Credit People, an independent third party. Results are not guaranteed.

Learn more: Understanding credit repair → Professional credit-repair help → Affiliate and credit disclosures →

Who this is for

Start with the information you already have.

This section is for adults who want to understand their reports, correct possible errors, and work on everyday credit habits before pursuing a larger financial goal.

01

Review your reports

Get your reports from the official free source and compare the information across all three nationwide credit bureaus.

02

Check for errors

Look for accounts, balances, limits, dates, and personal information that may be inaccurate or incomplete.

03

Build consistent habits

Focus on on-time payments, manageable balances, careful applications, and regular report checks.

Your rights

You can dispute errors yourself for free.

If you believe information is inaccurate or incomplete, you can contact the credit reporting company and the business that supplied the information. Keep copies of what you send and the response you receive.

See the plain-language process →

Free download

One simple guide with the complete process.

Get the official report source, what to review, sample dispute letters, bureau addresses, and what to do after a response arrives.

Get the free guide

Free download

Business Credit Readiness Kit

Use the business-readiness kit to organize business records, banking, commercial-credit information, cash flow, and documents.

Get the Free Business Guide

Business funding bridge

Return when your business is ready.

As your credit improves, you may be able to revisit business funding. Business revenue, time in business, credit, documents, intended use, and provider requirements may all affect available options.

Visit the funding application

Applying does not guarantee approval, terms, an amount, or timing. Lending decisions belong to third-party providers.

Frequently asked questions

What to know before you begin.

Is the guide really free?

Yes. This site provides free educational downloads. We do not take payment on this site.

Can accurate negative information be removed?

Accurate, current information cannot legally be removed simply because it is negative. You have the right to dispute information you believe is inaccurate or incomplete.

Can I dispute errors myself?

Yes. You can dispute credit report errors yourself for free with the credit reporting companies and the company that supplied the information.

Will this increase my credit score?

No specific result is promised. Credit profiles, reporting updates, scoring models, and individual actions vary.

Does better credit guarantee business funding?

No. As your credit improves, you may be able to revisit business funding, but every application remains subject to provider review and requirements.

Free download

Start with the free guide.

Get the simple dispute guide with sample letters and credit-bureau contact information.

Download the Free Credit Rebuild Guide