Welcome to Fair Credit Reporting

This self-help credit improvement site offers a wealth of information to help you correct or remove inaccurate information from your personal credit reports. All information is free and designed specifically for consumers who wish to better understand the credit reporting process and, through their own efforts, correct inaccurate credit reports to improve their credit scores.

May we suggest you begin by learning all about your rights under the Fair Credit Reporting Act (FCRA) and the new update to this law called the Fair and Accurate Credit Transactions Act (FACTA). These two laws protect you from inaccurate information being reported by the national credit bureaus and credit reporting agencies. The new FACTA offers protection in case someone steals your identity and then commits credit fraud.

There are over 100 pages of information here on how to read your credit (FICO) scores; tips for disputing credit card bills; how to avoid credit repair rip-offs, credit repair frauds and scams; in-depth explanation of the FCRA; and how to qualify for free credit reports.

Facts about the Fair and Accurate Credit Transactions Act (FACTA)