Someone used your name. Your credit report shouldn't pay for it.
Accounts you never opened, charges you never made, a score that makes no sense. We help you find the damage, organize your documentation, and understand your next step.
- ✓Free case review, no obligation
- ✓A personal expert reviews your file
- ✓Your information stays private
Request your free case review
.png)
Request received
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 your identity may have been stolen
Reporting mistakes rarely announce themselves. These are the patterns we see most.
Accounts you never opened
Cards, loans or utilities appear that you didn't apply for.
Bills for things you don't own
Collection notices or statements arrive for unfamiliar accounts.
Charges you didn't make
Unfamiliar transactions or loans show up on your file.
Tax or benefits rejected
A return or claim is refused because one was already filed.
Sudden score drop
A sharp fall with no change in your own habits.
Inquiries you don't recognize
Credit pulls or alerts you never authorized.
The damage identity theft can leave behind
Every file is different. We start by looking closely at yours.
Start a free reviewFraudulent accounts and loans
Accounts opened in your name without your knowledge.
Unauthorized charges and inquiries
Transactions and credit pulls you didn't approve.
Tax and benefits fraud
Returns or claims filed using your information.
Lingering damage after the fraud
Fraud-related items that stay on your reports after it's resolved.
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 your reports for fraudulent activity
- ✓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
- ✓Your credit reports showing accounts you don't recognize
- ✓Any fraud alerts, bills or collection notices
- ✓An FTC identity theft report or police report, if you filed one
- ✓Your own notes on what happened and when
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 gives identity theft victims rights, including ways to dispute fraudulent items on credit reports.
Gives you the right to accurate credit reports and to dispute errors.
Strengthens identity theft protections and access to your free credit reports.
Helps you dispute billing errors on credit card accounts.
Protects you from unauthorized or incorrect electronic transfers.
Good to know
Is the case review really free?+
Yes. The case review is free, with no obligation.
What should I do first if I think my identity was stolen?+
Many people start by reviewing their credit reports and reporting the theft to the FTC at IdentityTheft.gov. Your expert can walk you through the options. This isn't legal advice.
Can you remove fraudulent accounts for me?+
No. We don't contact bureaus, lenders or collectors on your behalf. We help you understand which items look fraudulent and how to dispute them yourself, or with an attorney if you choose.
Do I need a police report?+
It can help in some cases, but requirements vary. Your expert and an attorney can tell you what applies to you.
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 find out how far the damage goes?
Tell us what happened, and an advocate will review your situation and explain your next steps.