Collectors have rules. Breaking them isn't part of the deal.
Nonstop calls, threats, debts that aren't yours. We help you document what happened, understand your options, and decide your next step.
- ✓Free case review, no obligation
- ✓A personal expert reviews your file
- ✓Your information stays private
Request your free case review
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Thank you for contacting Credit Dispute. We have received your submission, and your inquiry is currently under review by our team.
Please keep an eye on your email for a confirmation with your case reference.
A member of our team will be in touch with you shortly to provide further updates. In the meantime, if you have any questions, please feel free to contact us at (888) 868-1432
Credit Dispute Team
Thank You!
What a correction can look like
Sample report review
ExampleSigns a collector may have crossed the line
Reporting mistakes rarely announce themselves. These are the patterns we see most.
Calls at all hours
Repeated calls, or calls at unreasonable times or at your job.
Threats or abusive language
Threats of arrest, lawsuits or garnishment they can't back up.
Debts that aren't yours
Collectors chase an account you don't recognize or already paid.
They contacted others
Employers, relatives or neighbors were told about your debt.
No written notice
No letter explaining the debt, or the amount doesn't add up.
Very old debts
Collection on debts that may be past the statute of limitations.
The practices we look for
Every file is different. We start by looking closely at yours.
Start a free reviewHarassing or abusive contact
Excessive calls, abusive language, or threats.
False or misleading statements
Wrong amounts, empty legal threats, or misrepresenting who they are.
Contact with third parties
Sharing your debt with employers, family or neighbors.
Wrong or time-barred debts
Debts that aren't yours, were paid, or are too old.
What we do, and what we don't
We're a consumer advocacy service, not a law firm. Here's how we help.
We help you
- ✓Review what happened and what options may apply
- ✓Help you gather and organize supporting documents
- ✓Guide you through each step
- ✓If you choose, help you get in touch with an attorney
We don't
- –Give legal advice
- –Charge you for our consultation
- –Promise a specific outcome
- –Act on your behalf or represent you
Three simple steps, free to start
Place a request
Tell us what happened and meet your personal expert.
Work with an expert
They look over your situation and help you gather documentation.
Decide your next step
The choice is yours. If you choose, we can help you get in touch with an attorney, with your consent.
What happens next, and what helps
No paperwork needed to begin. Anything you can share just makes the first review faster.
What happens next
- ✓You get a confirmation email with your case ID
- ✓A personal expert is assigned to your file
- ✓They review what you shared and flag potential errors
- ✓You decide whether to take the next step
Helpful to have, if you can
- ✓Call logs, voicemails and texts from the collector
- ✓Letters or notices you received about the debt
- ✓Proof the debt was paid or isn't yours, if you have it
- ✓Your own notes on dates, times and what was said
Don't have any of this? Request a review anyway. Your expert will help you figure out what to gather.
Federal consumer protection laws
Federal law limits what debt collectors can say and do, and gives you ways to respond when they cross the line.
Limits how debt collectors can contact and treat you.
Gives you the right to accurate credit reports and to dispute errors.
Restricts certain robocalls, autodialed calls and texts.
Good to know
Is the case review really free?+
Yes. The case review is free, with no obligation.
What can't debt collectors do?+
Generally, they can't harass or threaten you, lie about what you owe, or discuss your debt with most third parties. Your expert can explain what applies to you.
Should I keep records of the calls?+
Yes. Dates, times, names, voicemails, letters and texts all help. Your expert can show you how to organize them.
Can you make the debt go away?+
No. We don't contact collectors on your behalf and can't promise any outcome. We help you document what happened and understand your options.
Are you a law firm?+
No. We're a consumer advocacy service, not a law firm. We don't provide legal advice and we don't act on your behalf. If you choose and consent, we can help you get in touch with an attorney.
Ready to talk about what the collectors did?
Tell us what happened, and an advocate will review your situation and explain your next steps.