Resources

// credit resources

The reference library.

Statutes, consumer protection agencies, bureau contacts, glossary terms, and external references. Everything you need to understand and enforce your credit rights — all in one place.

// resource 05

How FICO Is Calculated

Understand the 5 factors that determine your FICO score and how much each weighs.

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// resource 06

Credit Glossary

Plain-English definitions for every credit term used on this site — from "charge-off" to "trade line".

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// resource 07

Statutes of Limitation

How state, debt type, dates, and legal events affect time-barred debt.

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// resource 08

HIPAA Resource Guide

How HIPAA actually intersects with billing, credit reporting, and medical collections.

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// quick reference

Key numbers to know.

7 yrs MAX REPORTING TIME $500 MEDICAL DEBT THRESHOLD 30 days BUREAU RESPONSE WINDOW 45 days PAID MEDICAL REMOVAL

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