Terms of use

The free tools and guides give general information, not legal advice. You decide what to dispute and you are responsible for making sure what you send is true.

We are not affiliated with Equifax, Experian, TransUnion or any government agency. No result is guaranteed.

Your account: only your own credit

One account is for one person. Use your real legal name and home address. You may only check, save and send letters about your own credit report. Checking or disputing someone else's report, even a family member's or a friend's, is not allowed, and sending a dispute in someone else's name can be a crime.

To protect everyone, the name and an address on each report you check must match your account. Your name locks after your first report check; to change it (for example after a legal name change), contact us. We may close accounts that break this rule.

Keep your password private. We store it scrambled and will never ask you for it.

Done-for-you services, when open, are governed by a separate written contract that includes your federal and state rights and your right to cancel.