Challenge inaccurate, unverifiable, and outdated items under the FCRA, and build positive credit going forward.
Get Your Free QuoteUpdated quarterly from the Federal Reserve, the CFPB, the IRS, and Experian. See the latest credit reporting complaint data.
| 44% | Of Americans who reviewed their credit reports found at least one error. 27% found errors serious enough to damage their creditworthiness. (Consumer Reports / WorkMoney Credit Checkup, 2024) |
| 1 in 5 | Consumers have a ‘potentially material error’ in their credit file that makes them appear riskier than they actually are, according to Brookings Institution analysis of FTC data. |
| 5.8 Million | Credit and consumer reporting complaints filed with the CFPB in 2025, out of 6.6 million complaints in total. Credit reporting is now 88% of all CFPB complaints. (CFPB 2025 Consumer Response Annual Report, March 2026) |
Credit repair is the process of reviewing your three credit reports and disputing inaccurate, unverifiable, or outdated items under the Fair Credit Reporting Act, which requires the bureaus to investigate and remove anything they cannot verify, while a credit builder tool reports positive payment history to grow your score. In a 2024 Consumer Reports study, 44% of people found at least one error on their credit reports and 27% found errors serious enough to hurt their creditworthiness. Credit reporting rules are set by federal law and the bureaus, so verify any disputed item directly with the bureau that reported it.
Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute inaccurate, unverifiable, or outdated information on your credit reports. When you dispute an item, the credit bureau must investigate and remove any information it cannot verify as accurate. The program systematically identifies every actionable item across all three bureaus and files targeted disputes on your behalf.
Removing negatives is only half the equation. Payment history accounts for 35% of your credit score, the single most influential factor. The program includes credit builder tools that report positive payment history to all three bureaus, systematically building the positive foundation your score needs alongside the removal of inaccurate negatives.
To fix your credit score, pull all three credit reports, dispute every item that is inaccurate, unverifiable, or outdated under the Fair Credit Reporting Act, then add positive payment history that reports to Equifax, Experian, and TransUnion. Those two moves push the same score in the same direction from opposite ends, one clears what should not be there, the other builds what should.
Start with the errors, because they are the fastest thing to change. In the 2024 Consumer Reports study cited above, 44% of people found at least one error on their reports. Anything a bureau cannot verify has to come off. Anything accurate stays, and no legitimate company can change that. From there, on-time payment history is the largest single factor in your score, so a reporting trade line keeps building while disputes are still in progress. Results vary by credit profile, and no specific score increase is guaranteed.
Formal disputes are sent to the relevant bureaus and data furnishers. The FCRA requires bureaus to investigate and respond within 30 days. Items that cannot be verified must be removed.
Responses are tracked across all three bureaus and escalated when items are not properly investigated or removed.
A credit builder tool is activated that reports positive payment history to all three bureaus, building the positive credit foundation your score needs to grow.
Credit repair is the process of reviewing your credit reports, identifying items that are inaccurate, unverifiable, or outdated, and formally disputing those items with the credit bureaus under your rights granted by the Fair Credit Reporting Act (FCRA).
Very common. A 2024 Consumer Reports study found 44% of participants found at least one error on their credit report. The Brookings Institution found that more than 1 in 5 consumers have a material error that makes them appear riskier than they actually are. The CFPB received nearly 5 million credit reporting complaints in 2025.
Yes. Identity theft victims often have fraudulent accounts, inquiries, and collections on their reports. The program addresses all of these, including fraud alerts and credit freezes where needed.
Yes. Legitimate credit repair companies dispute inaccurate, unverifiable, or outdated items on a consumer credit report, a right established by the Fair Credit Reporting Act (FCRA). No legitimate company can remove accurate negative information or guarantee a specific score. The United Debt Relief Credit Repair and Builder program disputes errors across all three bureaus and works to build positive payment history. Results vary by credit profile.
Credit repair companies can be effective at removing inaccurate, unverifiable, or outdated negative items, but no service can legally erase accurate information or guarantee a specific score increase. The United Debt Relief Credit Repair and Builder program challenges errors and helps build positive credit history over time. Results vary depending on what appears on the credit report.
In-depth answers to the questions people ask most about credit reports, disputes, and rebuilding a score. For the current national picture on delinquencies and balances, see our U.S. debt statistics page.
A complete step-by-step recovery plan for a damaged report.
An honest breakdown of DIY, paid services, and outright scams.
Every section explained, and exactly what to look for.
Your FCRA rights and the strategies that actually work.
What works, what does not, and why goodwill letters rarely land.
Negotiating removal of collection accounts.
The fastest route back to a healthy score after a program.
Practical tactics that move a score in the right direction.
Why your score matters across loans, rates, and more.
United Debt Relief is America’s Debt Relief Experts, a national debt relief company serving all 50 states. Our five programs span debt settlement, debt validation, debt consolidation loans, tax resolution, and credit repair, so your debt, tax, and credit problems are handled together rather than referred out. Our specialists assess your situation, explain each option, and enroll you in the one that fits. Program services are performed by our stringently vetted in-network providers and law firms, each BBB Accredited with an A rating. Results vary by situation.
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