The Fair Credit Reporting Act is the most powerful federal law most consumers have never read. It governs every credit bureau, every furnisher of credit information, and every user of consumer reports in the United States, and it gives you, the consumer, specific enforceable rights against errors, omissions, and bad-faith reporting. Understanding the FCRA is the difference between accepting a wrong item on your credit report as permanent and recognizing it as a violation you can compel a federal-regulated agency to investigate. This guide walks through what the FCRA is, what it requires, what your specific rights are under it, and exactly how to enforce those rights, section by section, mechanism by mechanism.

Jump to a section:
– The 60-second answer
– What the FCRA is
– Section-by-section walkthrough
– Your specific rights under the FCRA
– How the FCRA interacts with credit repair
– Most common FCRA violations
– How to enforce the FCRA yourself
– Sample FCRA dispute letter
– State-law overlays
– Glossary
– FAQ

The 60-Second Answer

The Fair Credit Reporting Act (FCRA), codified at 15 U.S.C. §1681 et seq., is the federal law that regulates consumer reporting agencies (CRAs), the furnishers who report data to them, and the users who pull consumer reports. It gives every American the right to a free annual disclosure from each CRA, the right to dispute inaccurate information, the right to compel a reasonable investigation within 30 days, the right to be notified of adverse actions taken because of a report, and the right to sue for willful or negligent violations with statutory damages up to $1,000 per violation plus actual damages and attorney’s fees. Every credit-repair process worth running is built on FCRA rights. Most consumers never exercise them, not because they don’t qualify, but because they don’t know they exist.

What the FCRA Is

The Fair Credit Reporting Act was passed in 1970 and has been amended several times since, most notably by the Fair and Accurate Credit Transactions Act (FACTA) in 2003. Its purpose, stated in the statute itself, is to ensure that consumer reporting agencies “exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy”.

In plain terms, the FCRA does four things:

  1. It defines what a consumer reporting agency is, what a consumer report is, and what counts as a permissible purpose for accessing a report.
  2. It places affirmative obligations on the consumer reporting agencies themselves, accuracy, dispute investigation, retention limits, security, disclosure.
  3. It places affirmative obligations on the furnishers (banks, lenders, collection agencies, utility companies) who report data into the system.
  4. It gives consumers a private right of action, meaning you can sue, individually, when those obligations are violated.

The Consumer Financial Protection Bureau (CFPB) is the primary federal regulator. The Federal Trade Commission (FTC) also has enforcement authority, and several state attorneys general bring FCRA-related cases under both federal and state-level credit reporting statutes.

The FCRA does not just apply to Equifax, Experian, and TransUnion. It applies to every consumer reporting agency the CFPB regulates, more than 50 nationwide, including the specialty bureaus like ChexSystems, LexisNexis, MIB, and CoreLogic Credco. Same law. Same rights. Same dispute process.

Section-by-Section Walkthrough

The FCRA is structured into numbered sections that each cover a different aspect of the consumer-reporting system. The sections that matter most for practical dispute work are the following.

§603, Definitions (15 U.S.C. §1681a)

The opening section of the FCRA defines the terms used throughout the law: “consumer reporting agency,” “consumer report,” “investigative consumer report,” “furnisher,” “permissible purpose,” and others. These definitions matter because they determine who is bound by the law. A landlord who pulls your tenant-screening report falls under FCRA. A debt collector reporting to a bureau is a “furnisher” under §603. The breadth of §603’s definitions is what makes the FCRA so wide-reaching.

§605, Reporting Time Limits (15 U.S.C. §1681c)

This is the section that governs how long negative information may remain on your report. The general rule under §605 is seven years from the date of first delinquency for most negative items: collections, charge-offs, late payments, civil judgments, and tax liens. Bankruptcies may be reported for up to ten years from the filing date.

Critically, the seven-year clock runs from the original delinquency, not from when the account was sold to a new collector, not from when it was last paid, and not from when the collector started reporting. Reaging a debt to extend the reporting window is itself an FCRA violation under §605 and one of the most common dispute targets.

§609, Disclosure to Consumers (15 U.S.C. §1681g)

§609 is the disclosure right. Every CRA must, upon proper request, disclose to a consumer all information in their file, the sources of that information, the identification of each person who procured a consumer report on the consumer in the past year (or two years for employment purposes), and the credit score (under certain conditions). This is the section that powers the “609 letter”, a dispute letter that demands documentation of the account information being reported.

A common misunderstanding: §609 itself does not require deletion of items that lack documentation. It requires disclosure. The deletion mechanism is in §611. But §609 disclosures are often the discovery tool that surfaces what to dispute under §611.

§611, Procedure in Case of Disputed Accuracy (15 U.S.C. §1681i)

This is the section. §611 is the engine of every dispute. When a consumer disputes information in their file, the CRA must conduct a “reasonable reinvestigation” within 30 days (45 days in certain circumstances tied to annual disclosures). The CRA must notify the furnisher of the dispute, the furnisher must investigate and respond, and the CRA must communicate the result back to the consumer in writing.

If the reinvestigation does not resolve the dispute and the consumer still believes the information is inaccurate, §611(b) gives the consumer the right to add a 100-word statement of dispute to their file that must be included in future report disclosures.

Failure to conduct a reasonable reinvestigation is itself an independent violation that supports a private right of action under §§616 and 617.

§615, Requirements on Users of Consumer Reports (15 U.S.C. §1681m)

§615 governs the users, the lenders, employers, landlords, and insurers who pull reports. The most consumer-facing requirement here is the adverse action notice: when a user takes adverse action (denies credit, raises a rate, terminates employment) based wholly or in part on a consumer report, they must notify the consumer, tell them which CRA was the source, and inform them of their right to a free copy of that report and their right to dispute.

The adverse action notice is how most consumers first learn that a particular CRA has a file on them. If you’ve ever been denied a checking account and received a letter pointing you to ChexSystems, that letter is required by FCRA §615.

§616 and §617, Civil Liability (15 U.S.C. §§1681n, 1681o)

These are the enforcement sections. §616 covers willful noncompliance, and provides for actual damages, punitive damages, statutory damages of $100 to $1,000 per violation, and attorney’s fees. §617 covers negligent noncompliance, and provides for actual damages and attorney’s fees, but not statutory or punitive damages.

The distinction between willful and negligent matters. Courts have held that knowingly reporting after a dispute proves inaccuracy, or systematically failing to investigate disputes, can support a willfulness finding.

§623, Responsibilities of Furnishers (15 U.S.C. §1681s-2)

This section is what makes furnishers, the banks, collectors, and lenders who report to the bureaus, accountable. §623 prohibits furnishers from reporting information they know to be inaccurate, requires them to correct and update information after dispute, and gives consumers (after a 2003 FACTA amendment) a direct private right of action against furnishers who violate certain provisions.

This is critical for credit-repair work. Many disputes that get bounced at the CRA level can be re-routed as direct disputes to the furnisher under §623, and a furnisher who fails to investigate a direct dispute can be sued.

Your Specific Rights Under the FCRA

The FCRA gives you, the individual consumer, the following enforceable rights:

1. The right to a free annual disclosure. Under §612, each nationwide CRA must provide you a free file disclosure once every 12 months. The portal annualcreditreport.com is the federally designated source for the big three. Specialty CRAs (LexisNexis, ChexSystems, MIB, etc.) have their own consumer-disclosure portals, same right, separate request.

2. The right to dispute inaccurate information. Under §611, you can dispute any item in your file, and the CRA must investigate within 30 days. You can dispute by mail, online, or by phone, though certified mail with return receipt is the operational best practice because it creates the legal record needed for any escalation.

3. The right to know who has pulled your file. Under §609(a)(3), you have the right to a list of every entity that has accessed your consumer report in the past year (two years for employment purposes). If an entity pulled your report without a permissible purpose, that pull is itself a violation under §604.

4. The right to a credit score. Under §609(f), you have the right to receive a credit score from each CRA upon request, along with the factors that affected it. Note: this is your “consumer-facing” score, which may differ from the FICO model used by mortgage lenders. The CRA must disclose the score model used.

5. The right to limit prescreened offers. Under §615(d), you have the right to opt out of prescreened credit or insurance offers, which use your consumer report to identify you as a candidate for unsolicited offers. The opt-out is permanent at optoutprescreen.com.

6. The right to file a dispute statement. If a reinvestigation does not resolve a dispute, you have the right under §611(b) to add a 100-word statement explaining your position, which must be included in future disclosures.

7. The right to sue. Under §§616 and 617, you have a private right of action against any CRA or furnisher that violates the FCRA. Statutory damages of $100 to $1,000 per willful violation, plus actual damages, plus attorney’s fees, are available.

How the FCRA Interacts With Credit Repair

A common misconception is that “credit repair” is somehow distinct from FCRA enforcement. It isn’t. Legitimate credit repair is the systematic application of FCRA rights, the dispute mechanism, the disclosure right, the furnisher accountability under §623, to the items in your file that are inaccurate, unsubstantiated, or otherwise non-compliant with what the FCRA requires.

That includes:

  • Disputes against the CRAs. §611-based disputes filed with Equifax, Experian, TransUnion, and the specialty bureaus to compel investigation of items that lack proper documentation, were misreported by the furnisher, or violate Metro 2 format specifications.
  • Direct disputes to furnishers. §623-based disputes filed with the bank, collector, or lender that originally reported the item, a parallel path that often produces faster deletion when the furnisher cannot substantiate the account.
  • Escalation when investigation is unreasonable. When a CRA returns a “verified” response that was not the result of an actual reasonable investigation (a common pattern), the failure itself becomes a §611 violation and, depending on the facts, supports escalation under §§616/617.
  • Crossover with the FDCPA. Many items on a credit report are debts being collected by third parties. Those debts trigger Fair Debt Collection Practices Act rights, specifically the §809 debt validation right, that operate in parallel with FCRA dispute rights. (Covered in detail in the FDCPA pillar and the Debt Validation pillar.)

Credituity is not a law firm. We don’t litigate. We run the FCRA process, across all 12 consumer reporting agencies that matter for your specific goal, and refer to partner law firms when items require litigation to resolve.

Most Common FCRA Violations

These are the FCRA violations that come up most often in real consumer files. Each is also a dispute target.

1. Reaging

Reaging is the practice of resetting the seven-year clock under §605 to extend how long a negative item can be reported. It happens when a debt is sold to a new collector and the collector reports the account with a new date of delinquency or first activity. Under FCRA §605, the seven-year window runs from the original delinquency, not from any sale, transfer, or partial payment. The CFPB has brought multiple enforcement actions against debt buyers for reaging practices.

2. Failure to Conduct Reasonable Investigation

Under §611, the CRA’s investigation must be “reasonable”, which courts have interpreted as more than simply passing the dispute along to the furnisher and accepting whatever response comes back. Mechanical or rubber-stamped “verification” without independent review is the most-litigated FCRA violation.

3. Mixed Files

A mixed file occurs when the CRA’s data system merges information from two different consumers, often two people with similar names, similar SSNs, or shared addresses. The result is that one consumer’s credit history appears in another consumer’s file. Mixed files are a known systemic problem and have been the subject of multiple class actions and regulatory enforcement actions against the major bureaus. Disputing a mixed-file item often requires escalation beyond standard §611 channels.

4. Continuing to Report After Dispute Proves Inaccuracy

When a furnisher cannot substantiate a debt after dispute, for example, because the underlying account documentation has been lost or never existed, and yet the item continues to be reported, that ongoing reporting is itself a willful violation under §616. This is one of the strongest fact patterns for FCRA litigation.

5. Permissible Purpose Violations

Under §604, a consumer report may only be pulled for specific permissible purposes, credit application, employment with consent, insurance underwriting, court order, account review by an existing creditor, and a few others. Pulling a report without a permissible purpose is a per-violation FCRA violation. The CFPB has enforced this against employers pulling reports without proper consent and against third parties pulling reports for purposes outside the permitted list.

6. Furnisher Failure to Investigate Direct Disputes

Under §623(b), a furnisher who receives a dispute notification (whether from a CRA or directly from the consumer in certain cases) must investigate. Furnishers who simply re-verify their own data without independent review have been held liable under both §§616 and 617.

You can do this yourself.

Every right described above is enforceable by you, individually, without hiring anyone. The FCRA is built to be consumer-enforceable. What stops most people is not the law, it’s the operational reality: 30-day cycles, certified mail, mechanism-specific dispute language for each item, follow-through across multiple rounds of disputes, escalation when the CRA returns a “verified” that wasn’t actually investigated.

If you have one or two items to dispute and time to manage it, this is a do-it-yourself process. If you have a complex file, multiple collections, post-divorce damage, mortgage time pressure, items across multiple CRAs, that’s when most people call Credituity. We run the same FCRA process you would, just systematized across all 12 consumer reporting agencies and with mechanism-specific dispute drafting for each item.

Book a free 15-minute call with Eli →

No card. No pressure. If you don’t need credit repair, we’ll tell you.

How to Enforce the FCRA Yourself

If you’re going to run an FCRA dispute process yourself, here is the operational sequence.

Step 1: Pull your reports. Get all three nationwide reports (Equifax, Experian, TransUnion) at annualcreditreport.com. If your goal involves banking, also pull ChexSystems and EWS. If mortgage, also pull CoreLogic Credco and Innovis. If insurance, MIB and LexisNexis. (Full coverage of the 12 relevant CRAs is in the 12 Consumer Reporting Agencies guide.)

Step 2: Identify dispute targets. For each negative item, ask: is the information accurate in every detail (date of first delinquency, balance, account number, status, creditor name)? Even one inaccurate field gives you grounds for dispute under §611.

Step 3: Draft mechanism-specific dispute letters. Generic “this is wrong” letters increasingly get flagged as frivolous and refused. Letters that cite the specific FCRA violation, “this item violates §605 because the date of first delinquency does not match the original creditor’s records”, get investigated.

Step 4: Send by certified mail. Always. Return receipt requested. This creates the legal record needed if the dispute is ignored or unreasonably investigated.

Step 5: Wait 30 days. Track the response. If no response within 30 days (or 45 in certain annual-disclosure circumstances), the item must be deleted under §611. Document the no-response and follow up with a written demand for deletion.

Step 6: Round 2 disputes. If items come back “verified” but you have reason to believe the investigation was not reasonable (typical signs: identical re-verification within 24 hours, no actual furnisher contact, formulaic language), escalate. Cite the failure to conduct reasonable investigation as itself a §611 violation. Add new mechanism: Metro 2 format errors, debt validation under FDCPA §809, statute-of-limitations issues.

Step 7: Escalate to litigation prep. If the bureau and furnisher both refuse to correct an item that you can document as inaccurate, the next step is FCRA litigation under §§616 or 617. This typically requires an FCRA attorney, Credituity refers these cases to partner law firms.

Sample FCRA Dispute Letter Template

[EDUCATIONAL TEMPLATE, not legal advice. Have an attorney review before sending if the matter involves litigation or complex documentation.]

[Your Name]
[Your Current Address]
[City, State, ZIP]
[Date]

[CRA Name, e.g., Equifax Information Services LLC]
[Dispute Department Address]

RE: Notice of Dispute under FCRA §611 (15 U.S.C. §1681i)
 Consumer Name: [Your Full Legal Name]
 Date of Birth: [MM/DD/YYYY]
 Social Security Number: [Last 4 digits]
 Address: [Your Current Address]

To Whom It May Concern:

I am writing to dispute inaccurate information appearing on
my consumer report under the Fair Credit Reporting Act, 15
U.S.C. §1681i. The following item is inaccurate and I request
investigation under §611(a)(1)(A):

ITEM IN DISPUTE:
Creditor / Furnisher: [Furnisher Name]
Account Number: [Account Number, partial OK]
Date Reported: [Date]

REASON FOR DISPUTE:
[Specific, factual reason, e.g.: "The date of first
delinquency reported is incorrect. The original delinquency
date with the original creditor was [date], not [date as
reported]. This reporting violates FCRA §605 (15 U.S.C.
§1681c) which limits negative reporting to seven years from
the original delinquency."]

REQUESTED ACTION:
Please conduct a reasonable reinvestigation of this item
under FCRA §611. If the furnisher cannot provide
documentation substantiating the disputed information,
please delete the item from my consumer file pursuant to
§611(a)(5).

Under §611(a)(1)(A), this investigation must be completed
within 30 days of receipt of this notice. I am sending this
notice by certified mail and request a copy of any
documentation relied upon in your investigation, including
the furnisher's response.

Sincerely,

[Your Signature]
[Your Printed Name]

ENCLOSURES:
- Copy of consumer report with disputed item circled
- Copy of [supporting documentation, if any]

Sent by: Certified Mail, Return Receipt Requested
Tracking #: [Number]

Banner reminder: This is an educational template. Mechanism-specific drafting for your actual items will benefit from adjustment to the specific violation, the specific furnisher, and the specific documentation in your file.

State-Law Overlays

Federal FCRA is the floor. Several states have layered additional consumer protections on top:

  • California, The California Consumer Credit Reporting Agencies Act (CCRAA), Cal. Civil Code §1785.25 et seq., gives California consumers stronger remedies, including a private right of action with statutory damages and stronger requirements on furnishers reporting California consumers’ information.
  • Texas, Texas Business & Commerce Code Ch. 20 governs Texas CRAs with additional disclosure obligations.
  • New York, N.Y. General Business Law Article 25 provides additional protections particularly around employment screening.
  • Massachusetts, Mass. Gen. Laws Ch. 93 §50 et seq. limits CRA use in certain contexts.
  • Vermont, Washington, Maine, Connecticut, each has state-level consumer reporting statutes with additional protections worth referencing in disputes filed by residents.

When you’re disputing as a consumer in one of these states, cite the state law in addition to the federal FCRA. State-law overlays often provide remedies federal law does not, including in some cases enhanced statutory damages.

When You Should Hire Help

The FCRA is consumer-enforceable. Some situations are well-suited to self-management. Others aren’t.

Self-managed is usually fine if:
– You have 1 to 3 specific dispute targets
– You have time for 30-day cycles and follow-through letters
– The items are on the big-three bureaus only
– You’re patient, this process takes 60 to 120 days when it works

Hiring help usually makes sense if:
– You have a time-pressured goal (mortgage in 90 days, business loan pending, divorce settlement requiring credit cleanup)
– The file spans multiple CRAs
– You’ve already tried disputes and gotten “verified” responses you suspect weren’t real investigations
– The file is complex, multiple collections, charge-offs, mixed-file issues, post-divorce damage from a former spouse
– You’d rather have someone draft mechanism-specific letters for each item than spend the weekends doing it yourself

That’s the work Credituity does. We run the FCRA process, across all 12 CRAs that matter for your goal, with mechanism-specific drafting for each item.

Book a free 15-minute call →

No card. No pressure. If your situation doesn’t need professional help, we’ll tell you., Eli Weldon
Founder, Credituity

Glossary

Consumer Report, Any communication from a consumer reporting agency containing information bearing on creditworthiness, character, reputation, or mode of living, used or expected to be used for one of the FCRA’s permissible purposes. Defined in §603.

Consumer Reporting Agency (CRA), Any organization that, for monetary fees, assembles consumer credit information or other consumer information for the purpose of furnishing consumer reports to third parties. Equifax, Experian, TransUnion are the dominant nationwide CRAs; many specialty CRAs also fall under the definition.

Furnisher, An entity that reports consumer information to a CRA. Banks, credit card issuers, collection agencies, utility companies, and landlords (in some cases) are furnishers. Governed under §623.

Permissible Purpose, Under §604, the specific purposes for which a third party may pull a consumer report: credit application, account review, employment (with written consent), insurance underwriting, court order, child support enforcement, and a few others.

Reasonable Investigation, The standard a CRA must meet under §611 when investigating a dispute. Mechanical re-verification is not enough; some level of independent review is required.

Reaging, The improper resetting of the seven-year reporting clock under §605, typically by reporting a new “date of first delinquency” after sale or transfer of a debt.

Metro 2 Format, The industry-standard data format used by furnishers to report information to CRAs. Reporting errors that violate Metro 2 specifications create FCRA dispute grounds even when the underlying account is technically owed.

Adverse Action Notice, The notice a user of a consumer report must provide under §615 when taking adverse action (denial, rate increase, termination) based on the report.

Willful Noncompliance, A finding under §616 that supports statutory and punitive damages, requiring more than negligence. The Supreme Court’s Safeco decision sets the standard.

FAQ

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA), at 15 U.S.C. §1681 et seq., is the federal law that regulates consumer reporting agencies, the furnishers who report data to them, and the users who pull consumer reports. It gives consumers rights to dispute inaccurate information, receive free annual disclosures, and sue for violations.

When was the FCRA enacted?

The FCRA was enacted in 1970 and has been amended multiple times, most significantly by the Fair and Accurate Credit Transactions Act (FACTA) in 2003, which added direct furnisher liability and identity theft protections.

What is FCRA §611 and why is it important?

§611 (15 U.S.C. §1681i) is the dispute mechanism. It requires CRAs to conduct a reasonable reinvestigation within 30 days when a consumer disputes information in their file. Every legitimate credit-repair process is built around §611 disputes.

What is the FCRA 30-day rule?

Under §611(a)(1)(A), a CRA must complete reinvestigation of a disputed item within 30 days of receiving the dispute. (The window can extend to 45 days when the dispute is filed during an annual disclosure pull.) Failure to complete the investigation in time requires deletion of the disputed item.

What is a §609 letter?

A 609 letter is a dispute letter invoking the consumer’s right under §609 to receive disclosure of the information in their file, including the sources of the information and the underlying documentation. Properly used, it surfaces documentation gaps that support deletion under §611.

Can I sue under the FCRA?

Yes. Under §§616 and 617, consumers have a private right of action against CRAs and furnishers that willfully or negligently violate the FCRA. Statutory damages of $100 to $1,000 per willful violation, actual damages, and attorney’s fees are available. Credituity refers FCRA litigation cases to partner law firms.

How long can negative items stay on my credit report under the FCRA?

Under §605, most negative items may remain for up to seven years from the original date of first delinquency. Bankruptcies may be reported for up to ten years. Tax liens and certain judgments have their own rules. The seven-year clock runs from the original delinquency, not from any subsequent sale, transfer, or payment.

Does the FCRA apply to ChexSystems and LexisNexis?

Yes. The FCRA applies to every consumer reporting agency the CFPB regulates, including all specialty CRAs (ChexSystems, LexisNexis, MIB, NCTUE, etc.). Same dispute rights, same disclosure rights, same enforcement remedies. Coverage of all 12 relevant CRAs is in the 12 CRAs guide.

What is a permissible purpose under the FCRA?

Under §604, a third party may only pull a consumer report for specific permissible purposes: credit application, account review by an existing creditor, employment (with written consent), insurance underwriting, court order, child support enforcement, and a few others. Pulling a report without a permissible purpose is itself an FCRA violation.

Can my employer pull my credit report?

Only with your written consent and only for the limited employment-related permissible purpose under §604. If an employer takes adverse action based on the report, they must provide you a copy of the report and notice of your rights under §615.

What’s the difference between an FCRA dispute and an FDCPA debt validation letter?

An FCRA dispute, under §611, is filed with the credit reporting agency and challenges the accuracy of an item on your report. A debt validation letter, under FDCPA §809, is sent to a debt collector and demands proof of the debt. The two operate in parallel, many credit-repair files use both. Full coverage in the FDCPA pillar and the Debt Validation pillar.

Can I dispute items on my credit report even if I owe the debt?

Yes. The FCRA gives consumers the right to dispute the accuracy of any item, including items they owe, if the reporting itself is inaccurate. Wrong balance, wrong date, wrong status, wrong account number all qualify. Disputing accuracy is not the same as denying the debt.

Does the FCRA require credit reporting agencies to delete items they can’t verify?

Yes. Under §611(a)(5), if the reinvestigation does not verify the disputed information, including because the furnisher cannot or does not provide substantiation, the CRA must delete the item from the consumer’s file.

What is a “mixed file” and what should I do about it?

A mixed file is when a CRA’s data system merges information from two different consumers, typically due to similar names, SSNs, or addresses. Mixed files have been the subject of significant litigation and CFPB enforcement. If you suspect a mixed file, the dispute typically requires escalation beyond the standard online dispute channel, including written certified-mail dispute with detailed identity documentation.

Are AI-generated FCRA dispute letters effective?

Mixed. CRAs increasingly screen out templated disputes as “frivolous” under §611(a)(3) and refuse to investigate. Letters that cite the specific FCRA violation for each item, the specific section, the specific reporting failure, get investigated. Generic AI letters often miss the mechanism and get bounced.

Companion guides covering the rest of the legal framework:

Specialty CRA spokes covering FCRA enforcement against specific agencies:

Ready to Work the FCRA in Your File?

If your story sounds anything like the ones I’ve helped before, divorce-driven damage, business-funding blocks, mortgage-time pressure, post-medical hardship, let’s talk. The FCRA is built to work for you. Most consumers just don’t know how to operate it. That’s what we do.

Book a free 15-minute call →

No card. No pressure. If you don’t need credit repair, I’ll tell you., Eli Weldon
Founder, Credituity

Credituity is not a law firm and does not provide legal advice. Results vary by individual file. Money-back guarantee subject to written client agreement. Credituity operates in compliance with the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.): the written client agreement is signed before service begins, the full credit-repair service fee is billed only after work has commenced, and clients have a 5-day right to cancel.

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