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Know your rights. Then use them.
Guides to disputing errors and holding credit bureaus and screening companies accountable under federal law. Looking for a quick answer? See FCRA questions and answers.
mixed credit fileHow to Fix a Mixed Credit File: A Step-by-Step GuideHow to fix a mixed credit file: spot the signs, dispute with each bureau, send the right ID documents, and know what to do if the bureaus won't fix it.
pre-adverse action noticeGot a Pre-Adverse Action Notice? What It Means and What to Do NextGot a pre-adverse action notice? Learn what the employer owes you before it can reject you over a background check, and how to use the waiting period well.
credit report dispute letterHow to Write a Credit Report Dispute Letter That Gets InvestigatedA credit report dispute letter that gets read: what to write, a sample structure, what to attach, how to mail it, and mistakes that get disputes dismissed.
background check errorsHow to Fix a Background Check Error, Step by StepHow to fix a background check error, step by step: get the full report, gather proof, dispute it, and make sure the corrected report reaches the employer.
CheckrCheckr Background Check Statuses: What Pending, Clear, Consider, Suspended and Dispute MeanCheckr background check status stuck on Pending, Suspended, Consider or Dispute? See what each one means, what to do next, and how to fix errors fast.
ARS collectionsARS Collection on Your Credit Report: Identify the Company, Then Validate and DisputeARS collection on your credit report? Learn which ARS company it is, how to demand validation, how to dispute it, and your FCRA and FDCPA rights.
tenant screeningHow to Dispute a Tenant Screening Report: Evictions, Sealed Records and Wrong-Person ErrorsDispute a tenant screening report the right way: find the screener, challenge dismissed evictions and sealed records, and know the 30-day deadline.
criminal recordsCriminal Record Apartment Rights: What Landlords Can and Cannot DoCriminal record apartment rights: what landlords may consider, where HUD guidance stands, local fair chance laws, and how to fight a report that is wrong.
FCRA violationsExamples of FCRA Violations, Matched to the Section of the Law They BreakExamples of FCRA violations matched to the law: inaccurate reports, botched disputes, obsolete debts, improper pulls and ignored identity theft blocks.
CFPB complaintHow to File a CFPB Complaint Against a Credit Bureau, and When to Sue InsteadHow to file a CFPB complaint against a credit bureau, what to write, how the bureau must respond, and when an FCRA lawsuit may be the better move.
UberDeactivated From Uber Because of a Background Check: How to Dispute It and Get Back on the RoadDeactivated from Uber after a background check? Learn how continuous monitoring flags drivers, how to dispute the report, and when to talk to a lawyer.
tenant screeningDenied an Apartment Because of a Background Check: What to Do in the First WeekDenied an apartment because of a background check? Your first-week plan: get the notice, request the free report, dispute errors, ask the landlord to wait.
credit report errorsAn Account on My Credit Report Is Not Mine: What Now?An account on your credit report that is not yours can be a mixed file, identity theft or a lender error. Learn how to tell which, and the fix for each.
deceased indicatorReported Deceased After Your Spouse Died: How It Happens and How to Fix ItReported deceased after your spouse died? Learn how joint and authorized-user accounts spread the death flag to survivors, and how to get it removed fast.
background check without consentCan Someone Run a Background Check Without Your Consent?Background check without consent? Learn when employers need your written permission, when landlords don't, and what to do about an illegal pull.
background check disputeBackground Check Dispute Letter: What to Write, What to AttachBackground check dispute letter guide with a sample: what to tell the screening company, what proof to attach, the 30-day clock, and reinsertion.
background check errors7 Types of Background Check Errors, and How to Prove Each OneTypes of background check errors explained: wrong-person records, sealed cases, dismissed charges shown as pending, duplicates, and stale records.
mistaken identityWhen Your Background Check Shows Someone Else's Criminal RecordBackground check shows someone else's criminal record? Learn why name-only matching causes it, how to prove it is not yours, and how to remove it.
late paymentsHow to Remove a Late Payment From Your Credit Report, and When You Can'tHow to remove a late payment from your credit report: dispute an inaccurate late, try a goodwill letter, and learn how long accurate lates can stay.
Fair Credit Reporting ActWhat Is the FCRA? The Fair Credit Reporting Act in Plain EnglishWhat is the FCRA? A plain-English guide to the Fair Credit Reporting Act: who it covers, your right to an accurate report, and how to enforce it in court.
AirbnbAirbnb Background Check Failed: How to Get the Report, Dispute It and AppealAirbnb background check failed and your account was removed? Learn who screens Airbnb users, how to get the report, and how to dispute errors and appeal.
deceased indicatorCredit Karma Says I'm Deceased: Why It Happens and How to Fix ItCredit Karma says you're deceased? The flag comes from your TransUnion or Equifax file. Learn where it came from, how to remove it, and when you can sue.
RealPageYour RealPage Tenant Screening Report: How to Request It, Read It and Dispute ItRealPage tenant screening report cost you an apartment? Learn how to request your free LeasingDesk file, what it contains, and how to dispute errors.
UberWhich Company Runs Uber's Background Check, and Who Do You Dispute With?Which company runs Uber's background check? Uber names Checkr, HireRight and SambaSafety. Learn which one ran yours and where to send your dispute.
credit denialDenied Credit During a Credit Dispute: What You Can DoDenied credit during a credit dispute? Learn what the denial notice must tell you, how to ask the lender to reconsider, and when it counts as damages.
FCRA lawsuitsHow an FCRA Lawsuit Works: From Case Review to ResolutionHow an FCRA lawsuit works, from free case review to filing in federal court, discovery, settlement and trial, and what you will need to do along the way.
credit report errorsHow to Dispute Credit Report Errors With Equifax, Experian and TransUnionHow to dispute credit report errors with Equifax, Experian and TransUnion: online vs. mail vs. phone, what to send, and the deadlines bureaus must meet.
FCRA requirementsFCRA Requirements for Employers: The Steps Your Employer Can't SkipFCRA requirements for employers, explained for workers: disclosure, authorization, pre-adverse and adverse action notices, and what to do if skipped.charge-offCharged-Off Account Still Showing a Balance? When It's Accurate and When It's NotCharged-off account still showing a balance? When that can be accurate, why a sold debt should show $0 with the original creditor, and how to dispute it.FCRA lawsuitsDo You Still Have an FCRA Claim After the Error Was Fixed?Can you bring an FCRA claim after the error was fixed? Often yes, for harm already done. Learn which claims survive a correction and the deadline to sue.