Most credit reports contain errors. Federal law gives you the power to fix them.

What the credit bureaus don’t want you to know

Your credit report is a legal document. Every item on it has to be accurate, verifiable, and properly documented.

When it isn’t, the Fair Credit Reporting Act gives you real rights with real dollar amounts attached. Most people never learn this because the industry that profits from your bad credit score has no reason to tell you.

Five things you can do right now to get control of your file:

1. Sign up for Credit Hero Score and pull all three reports in one place. Seven-day trial for $1, then $19.95 per month. Live data from Experian, Equifax, and TransUnion. Monthly updates. It is the same system I use when I work with clients. Start your Credit Hero Score here.
2. Read every line. Name, address, date of birth, account numbers, balances, dates, statuses. Errors in any of these are FCRA violations.
3. Dispute inaccurate items in writing to the credit bureau reporting them. The bureau has 30 days to investigate under 15 USC § 1681i(a).
4. If the bureau “verifies” the item without actually contacting the furnisher, that is a sham investigation. Document it. That is a federal cause of action.
5. If a debt collector reports without sending you a dunning letter first, or reports a debt they cannot prove you owe, that is a separate violation under the FDCPA plus FCRA.

Our full FCRA Health Check walks through 10 questions that map to the specific statute sections where most violations happen. Free below.

Questions people ask

About the Deep FCRA Consult

Is the $497 just for one call? What happens after?

The $497 pays for your Deep FCRA Consult: the 90-minute call, your written violations map, and your 12-month action plan. Once those are delivered, you become a Deep Consult alumnus. Alumni get 12 months of free Community Tier access and a private monthly follow-up call calendar. That is a bonus we extend because you completed the engagement. Federal consumer protection law (CROA) requires us to keep paid deliverables and bonus access structurally separate. In practice, you are getting ongoing access.

Why not sell it as a bundle?

Credit consulting is regulated under the Credit Repair Organizations Act. CROA prevents charging advance fees for services not yet rendered. Selling "$497 for a consult plus twelve months of monthly calls" would technically be an advance fee. Keeping the paid deliverable clean and extending the bonus post-engagement is how compliant credit-education firms operate. It is a legal formality. It does not change what you actually get.

Can you guarantee monthly calls for 12 months?

I cannot legally guarantee any specific future service as part of the $497 purchase. What I can tell you is that the private alumni calendar exists, slots are available, and alumni who book get them. The bonus is real. The structure protects both of us.