Credit intel, once a week.
FCRA updates, dispute strategy, and credit score tips — written for people who want to understand the system, not just hear about it. No spam. Unsubscribe anytime.
Stay current on your rights.
Join readers who are actively improving their credit and learning the FCRA process. One email per week. Plain English.
No spam. No selling your email. Unsubscribe with one click at any time.
What we've covered lately.
The 5 most disputed items on credit reports — and why they keep coming back
Collections, charge-offs, hard inquiries, late payments, and identity errors account for the vast majority of dispute activity. This issue breaks down why each one requires a different strategy — and why disputing them all the same way is the most common mistake.
How Round 2 disputes work — and why most people do them wrong
If your first dispute came back verified, you have not exhausted your options. Round 2 is different: it targets the furnisher directly, invokes your right to method-of-verification, and sets up escalation if needed. Most people either give up at Round 1 or repeat the same letter. Neither works.
What debt collectors can and cannot do under the FDCPA
The Fair Debt Collection Practices Act gives you more rights than most people realize — the right to demand validation, the right to cease communication, and the right to sue for violations. This issue covers the practical limits collectors operate under and how to use those limits when you are disputing a collection account.
Ready to dispute — not just read about it?
The newsletter explains the process. ScoreVera runs it.