FreeCreditBot Academy · Personal credit
Personal Credit
Everything you need to fix your personal credit.
The FCRA gives you tools to dispute inaccuracies, enforce your rights, and build positive credit history. Here are the playbooks, letter templates, and step-by-step guides—all free and written in plain language.
// topic 01 — liveKnow Your Rights
FCRA §609, §611, §623, FDCPA, FCBA, and state-level consumer protections. The statutes that give you every tool to dispute, enforce, and rebuild.
FCRA Basics FDCPA Basics FCBA State Protectionsread →
// topic 02 — liveThe Dispute Process
How credit reporting works (furnishers → bureaus), step-by-step dispute walkthrough, letter templates by scenario, MOV requests, and legal timelines.
How Reporting Works Dispute Walkthrough Letter Templates MOV Requests Timelinesread →
// topic 03 — liveEscalation & Enforcement
CFPB complaints, FTC referrals, State AG complaints, small claims court, and when to hire a consumer-rights attorney.
CFPB Complaint FTC Process State AG Small Claims Attorney Referralread →
// topic 04 — liveCredit Building
Secured cards, credit-builder loans, authorized user strategy, rent/utility reporting, utilization mechanics, and realistic timeline expectations.
Secured Cards Authorized User Rent Reporting Utilization Timelineread →
// topic 05 — liveIdentity Theft & Fraud
Fraud alerts vs. freezes vs. locks, FTC IdentityTheft.gov walkthrough, and a recovery plan template with FCRA §605B blocking.
Fraud Alerts Credit Freezes IdentityTheft.gov Recovery Planread →
// the process
How personal credit repair works.
// step 01Know Your Rights
FCRA, FDCPA, HIPAA — the statutes that protect you and give you enforcement tools.
// step 02Enforce
Send dispute letters, validation requests, and follow up. Track every response.
// step 03Build
Secured cards, credit-builder loans, and authorized user strategies to rebuild.
// by the numbers
Your rights, quantified.
30
days
Bureaus must complete dispute investigations.
45
days
Maximum to update your file after investigation.
3
bureaus
Experian, Equifax, TransUnion — dispute all three.
$0
cost
Every tool here is free. No paid credit repair.