Your path, one chapter at a time.
Start at the beginning, or return to the chapter you need. You don’t have to do it all today.
01→02→03→04→05→06→07→
A fresh start
Understand the journey before taking your first step.
Get your credit reports
Find the official report link and save your starting copies.
Review your personal information
Start with names, addresses and other identifying details.
Understand your accounts
Learn what you are seeing and choose one situation.
Prepare your matching letters
Use your own facts and the template for your situation.
Mail and keep a record
Prepare your packet and record the dates that matter.
Review results and keep going
Compare what changed and find your next step.
These chapter introductions are free. A free account opens report instructions and the personal information letter. Detailed account dispute tools require membership.