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Pull Your Credit
Get free reports from all 3 bureaus at AnnualCreditReport.com. Review every account and note inaccuracies.
Abusive debt collectors and inaccurate credit reports cost Americans billions every year. We give you the free tools, legal knowledge, and dispute resources to fight back — and win.
Americans filed complaints against debt collectors with the CFPB over ten years. Harassment, false statements, and failure to validate are the top violations — and each one is worth up to $1,000 to you.
Plus actual damages and attorney's fees — which the violating collector pays, not you. Many consumer attorneys take these cases free.
Studies show roughly 34% of consumers have a material error on at least one credit report. Most never dispute it.
The Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Credit Repair Organizations Act form a three-layer legal shield for every American consumer. Collectors count on you not knowing them.
Full breakdown →Years collectors have to sue you. After that window closes the debt is time-barred. Look yours up now.
Check your state →Debt validation, cease & desist, credit bureau dispute, and SOL defense — all backed by federal law and ready to customize.
Get templates →Do NOT ignore a court summons. You have defenses. Check your SOL, document violations, and get a consumer attorney — often at zero cost to you.
Get free help →Three major federal laws give consumers powerful rights against debt collectors and credit bureaus.
Governs how third-party debt collectors can contact you and what they can say. Each violation entitles you to sue in federal court.
Governs how credit bureaus collect, use, and share your data. You have the right to dispute any inaccurate information for free.
Protects you from predatory credit repair scams. If a company violates CROA, your contract with them is void.
Every state sets a deadline for collectors to sue. After it expires the debt is legally time-barred — use our tool to check.
Select your state to instantly see how long collectors have to sue you for credit card / open-ended debt.
Not sure what to do first? Follow this sequence.
Get free reports from all 3 bureaus at AnnualCreditReport.com. Review every account and note inaccuracies.
Look up your state's statute of limitations. If the debt is time-barred, you have a complete defense — but you must appear in court.
Send a written validation letter within 30 days of first contact. Collection must stop until they prove the debt is valid and yours.
Dispute inaccurate items in writing with each bureau. Document every violation. A consumer attorney is often free to you.
Tell us what you're dealing with. We'll help you understand your rights, identify violations, and point you toward the right next steps — at no cost.
Get Free Help Now