Plain-language guides on credit report errors, background check mistakes, identity theft and debt collection, based on public federal consumer protection rules.
Someone else’s accounts on your report: the signs, the causes and what you can do.
6 min read Credit reportsWhy a living person can be flagged as deceased, and how it can be corrected.
5 min read Credit reportsWhen a debt you paid off is still reported as owed.
5 min read Credit reportsWhen a deleted item comes back, and the rules bureaus must follow.
5 min read Credit reportsReporting time limits for late payments, collections, bankruptcies and more.
6 min read Credit reportsWhen the same debt is reported twice, and how it happens.
5 min read Credit reportsHow discharged accounts should appear on your report.
5 min read Background checksWrong-person records, sealed cases and outdated information.
6 min read Background checksWhen a screening report costs you an apartment.
5 min read Background checksYour rights when an employer may act on a background check.
5 min read Identity theftSigns of identity theft and the first steps to take.
6 min read Debt collectionWhat collectors can and can’t do under federal law.
6 min readTell us what happened and a consumer advocate will review it with you, free of charge.
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