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When your credit score drops, you may see ads promising fast results. Many so-called credit repair companies charge illegal upfront fees.
You have the right to dispute inaccurate credit information yourself at no cost.
Consumer Protections
Under federal law, credit repair companies cannot charge fees before services are completed.
Quick Takeaways
- Request free credit reports annually
- Dispute inaccurate information in writing
- Avoid guarantees of instant score increases
- Get contracts in writing
Pro Se Credit Disputes
Send dispute letters directly to credit bureaus and creditors. Keep copies and track deadlines.
About FRLS
FRLS helps qualified consumers challenge credit repair fraud and restore financial stability.
Call 1-888-582-3410 to see if you qualify for free assistance.