Request your credit reports
Use AnnualCreditReport.com, the federally authorized source for free reports from Equifax, Experian, and TransUnion. Save or print each report and review them side by side.
Credit rebuilding process
How it works
Start with your reports, separate possible errors from accurate information, and build habits you can maintain.
Mark information that may be wrong
Check names and addresses, account ownership, payment status, balances, credit limits, dates, duplicate accounts, and unfamiliar inquiries. Differences between reports are not automatically errors, so compare each item with your own records.
Dispute inaccurate or incomplete information
You can dispute errors yourself for free. Identify each item clearly, explain what is wrong, state the correction you are requesting, and include copies of supporting documents. Keep your originals and a complete copy of the dispute.
Work on positive credit habits
Pay bills by the due date, keep revolving balances manageable, avoid applying for credit you do not need, and review reports regularly. A secured card or credit-builder loan may be worth comparing, but review fees and terms before opening anything.
Review the response and keep records
Credit reporting companies generally investigate a dispute within 30 days, although some investigations may take up to 45 days. Read the result, save the updated report, and follow the official complaint process if a supported error remains unresolved.
What this site provides
Free educational resources only. We do not ask for your Social Security number, date of birth, bank credentials, or account numbers through this site.
This is not a promise to delete information or increase a score. Accurate, current negative information cannot legally be removed simply because it is negative.
Download the Free Credit Rebuild Guide