Fix your credit report yourself, for free
You can dispute errors on your credit report at no cost. A company that wants payment before doing the work is breaking federal law.
- $0
- To dispute an error yourself
- 3 days
- To cancel a repair contract
CFPB, read Oct 2, 2026. See source
On this page
Your rights, in five lines
Do it yourself, free. Disputing errors in your credit reports is a free right under the Fair Credit Reporting Act; you do not need to pay anyone to do it1.
No payment up front. Under the Credit Repair Organizations Act, credit repair companies cannot request or receive payment until they have completed the services they promised. The CFPB adds that monthly plans designed to get around this are also upfront payment, and all forms of it are illegal1.
If they sell by phone. Under the Telemarketing Sales Rule, a telemarketed credit repair service cannot charge until after the date it promised results, and only after giving you a consumer report, generated more than six months after the results were achieved, that shows them1.
Three days to cancel. If you have just signed up, you can cancel the contract for any reason within three business days at no charge1.
No one can remove accurate information. A company that promises to delete accurate, current negative information, or tells you to dispute everything, is making a promise no one can keep1.
Warning signs the CFPB lists
Wants payment before providing services
Promises to remove accurate negative information
Tells you to dispute accurate information
Will not explain your rights
Tells you not to contact the credit bureaus
Source: CFPB1.
A free step that does protect you
A security freeze is free at each nationwide credit bureau, blocks most new credit in your name, and does not affect your credit scores2. See identity protection for what paid plans add.
About this page
We do not earn anything from applications or sign-ups today: every provider link is a plain link to the provider's own site, without a referral code. This site is not a lender, insurer, broker or adviser, and nothing here is financial advice.
OweLess Guide is also not a debt settlement company or credit repair organization, and nothing here is tax or legal advice.
Fees, prices and program terms belong to each provider and can change. The provider's own page is the final word, and the provider decides every application.
