Welcome to Fair Credit Reporting

This self-help credit improvement site offers a wealth of information to help you correct or remove inaccurate information from your personal credit reports.

All information is free and designed specifically for consumers who wish to understand the credit reporting process better and, through their efforts, correct inaccurate credit reports to improve their credit scores.

Start your credit repair process today

May we suggest you begin by learning all about your rights under the Fair Credit Reporting Act (FCRA) and the new update to this law called the Fair and Accurate Credit Transactions Act (FACTA). These two laws protect you from national credit bureaus and credit reporting agencies reporting inaccurate information. The new FACTA offers protection in case someone steals your identity and then commits credit fraud.

There are over 100 pages of information here on how to read your credit (FICO) scores; tips for disputing credit card bills; how to avoid credit repair rip-offs, credit repair frauds, and scams; an in-depth explanation of the FCRA; and how to qualify for free credit reports. Always be sure to compare credit monitoring services, especially for your personal credit.

Protection of personal credit reports and consumer credit ratings got a major facelift in 2003 when Congress updated the Fair and Accurate Credit Transactions Act (FACTA) Among other things; the new FACTA provides better protection against identity theft, easier access to personal credit reports and one free credit report from each one of the national credit bureaus.

Read our five quick steps to better credit scores.