Frequently asked questions
Clear answers, no unrealistic promises.
Can this site remove items from my credit report?
No. This is an educational website and does not offer paid credit-repair services.
Can accurate negative information be removed?
Accurate, current, and verifiable information generally cannot be promised away simply because it is negative.
Can I dispute an error myself?
Yes. Consumers can dispute possible errors directly with credit reporting companies and information furnishers.
Do calculators predict my score or approval?
No. Calculator outputs are educational estimates only.
Should I email my credit report or Social Security number?
No. Do not send sensitive identity or financial information through this site or ordinary email.
Where can I obtain credit reports?
Use AnnualCreditReport.com, the federally authorized source.