Free · Minnesota residents
Something on your credit report is wrong. Here is how to fix it yourself.
Credit File Corrections walks you through getting your official reports, describing exactly what is inaccurate, writing your own dispute letters, and keeping track of the responses. You stay in control of every step. There is nothing to buy.
What this site actually does
Get your official reports
We point you to AnnualCreditReport.com, the source authorized by federal law. We never ask for your credit bureau username or password.
Describe the error precisely
A vague dispute gets a form letter back. Our guides help you state the account, what it says, what is actually true, and what you want corrected.
Write your own letters
Editable templates for credit bureaus, for the company that reported the item, and for identity theft. You review, sign, and mail them yourself.
Track what comes back
Keep the dates, the letters, and the responses in one place, so that if this ever becomes a legal problem the record already exists.
What happens to a dispute after you send it
Knowing the shape of the process changes what is worth putting in the envelope. It is more automated, and moves through more hands, than most people expect.
The bureau receives it and the clock starts
The reinvestigation period runs from receipt, not from the day you mailed it. The 30-day clock, and what extends it →
Your letter is condensed into a code
Most disputes reach the company that reported the item as one or two numeric reason codes plus a short text field — not as the letter you wrote. How that translation works →
The company that reported it investigates
Federal law gives that company its own duties and its own deadline, tied to the bureau's. What those duties are →
You get a written result — and three rights most people never use
The results notice has to contain five specific things. Three of them only do something if you act on them. What you are owed at the end →
The 2012 figures describe that period, not this month — they are the most detailed public description of the pipeline, and we say so rather than presenting them as current. Sources and dates are on every article. Read the industry news section →
What this site will never do
- Charge you. The self-help tools are free, with no paid tier and no upsell.
- Ask for your credit bureau login. We do not log in as you or store your credentials.
- Send a dispute for you. You review, sign, and send every letter yourself.
- Tell you your case is strong, weak, or worth a dollar amount. That is not something we can or will assess.
- Promise a deletion, a score increase, or a payout. Nobody honestly can.
- Pass your information to a lawyer, or anyone else, unless you specifically ask.
The word "repair" does not appear in what we do, because we do not repair anything — you do, using accurate facts about your own file.
If a dispute does not fix the problem
Sometimes a credit bureau or a furnisher verifies an item that is genuinely wrong, or does not respond at all. The federal Fair Credit Reporting Act sets out what they are required to do, and a lawyer can tell you whether what happened to you matters legally.
You can ask an independent Minnesota law firm to look at your documents for free. It is entirely your choice, it happens only if you click through and fill out the request yourself, and nothing about your use of this site is shared with anyone unless you do.