Does this tool collect my personal information?

No. The Credit Report Error Checker uses checkboxes only and collects nothing. No PII, no SSN, no account numbers, no report uploads, no free-text inputs, and no data is sent to any server.

Does it estimate or guarantee my credit score?

No. This is an educational tool that explains which credit report errors are typically disputable under FCRA §611. It makes no score estimate, no score guarantee, and no promise of specific results.

What does 'disputable' mean?

Under FCRA §609(a)(1), you have the right to dispute information you believe is inaccurate. The credit bureaus must investigate disputed items within 30 days (45 if you provide more information) and correct or delete anything they cannot verify.

Is this the same as joining ClearFile?

No. This checker is free and requires no signup. Joining the waitlist is optional and is the next step only if you want AI-guided dispute letters and response tracking. ClearFile is a CROA-compliant credit repair service with no upfront fees and no score guarantees.

Credit Report Error Checker

See which credit report problems are typically disputable under FCRA §611 — and what evidence helps. This is an educational tool about what is disputable. It does not estimate or guarantee any credit score outcome.

No PII — checkboxes only No score guarantee — ever Free — no signup required

What you see on your report

Check every problem you recognize. For each category, we explain whether it is typically disputable, what evidence helps, and how the bureau investigation window works. No personal data is collected or stored.

An account I never opened An unfamiliar account or creditor appearing on your report. A late payment I don't recognize Late or missed payments you did not make or were current on. A balance that's wrong Balances, payment amounts, or account status that don't match what you owe. The same debt listed twice Duplicate accounts, balances, or collections for the same debt. An old collection that should have aged off Collections or negative items older than 7 years still showing. A hard inquiry I didn't authorize Credit checks you did not initiate or permission for.

Unknown accounts — typically disputable

FCRA §609(a)(1): You can require the bureau to reinvestigate any information you dispute as inaccurate.
Evidence that helps: A police report (identity theft), a statement of dispute, or a letter from your bank confirming you never opened the account. Even the absence of your signature can be enough to dispute the listed account.
Bureau window: Under FCRA §609(b), the bureau must investigate and respond within 30 days (45 if you provide additional information). The reinvestigation results must be reported free of charge within 5 days.

Unrecognized late payments — typically disputable

FCRA §609(a)(1): Dispute specific inaccuracies in payment history as "not mine" or "inaccurate."
Evidence that helps: Bank or credit card statements showing on-time payments for the period in question, a payoff letter, or documentation that the account was current. A simple signed statement disputing the charge is also valid.
Bureau window: 30 days to investigate and correct (45 days with additional info). Accurate information stays on your report; only verified inaccuracies are removed or corrected.

Incorrect balances or payments — typically disputable

FCRA §609(a)(1): Request reinvestigation of any amount or status you dispute as inaccurate.
Evidence that helps: The most recent account statement, a payoff letter from the creditor, or a screenshot of an online portal showing the correct balance. For charged-off or settled accounts, the settlement letter is strong evidence.
Bureau window: 30-day investigation timeline. If the bureau cannot verify the disputed amount, it must correct it to match verified information or delete it.

Duplicate entries — typically disputable

FCRA §609(a)(1) & §605: Each bureau must investigate disputed duplicates and cannot report the same debt twice.
Evidence that helps: A side-by-side comparison of the duplicate entries showing identical creditor, account number (last 4), and balance. Highlight that the same account appears twice.
Bureau window: 30-day investigation. The bureau must remove the duplicate entry and notify you in writing of the outcome.

Stale collections & items past the statute of limitations — typically disputable

FCRA §605(a): Negative information cannot be reported for more than 7 years (10 years for bankruptcy). Items outside this window must be removed upon dispute.
Evidence that helps: The original delinquency date or the date 7 years from the original delinquency. A credit report showing the item's age helps establish the timeline. (Note: the statute of limitations for collection is a separate legal concept — removing a stale item from your report does not restart the statute of limitations.)
Bureau window: 30 days. If the bureau confirms the item is past the reporting period, it must delete it immediately.

Unauthorized hard inquiries — typically disputable

FCRA §609(a)(1): Dispute inquiries you did not authorize. Hard inquiries that you didn't initiate can be removed upon successful reinvestigation.
Evidence that helps: A statement that you did not apply for credit or authorize the inquiry. If you recognize the creditor but did not initiate the application, that is sufficient grounds to dispute.
Bureau window: 30-day investigation. If the inquiry cannot be verified, the bureau must delete it and notify you in writing.

Check the boxes above to learn more

Based on your selections, these issues are typically disputable under FCRA §611. The next step is to draft and send a dispute letter to each credit bureau.

No credit score improvement is guaranteed. Results vary by consumer and by the accuracy of your report. Accurate information stays on your report — you only dispute what is inaccurate or incomplete.

Join the waitlist

No payment, no commitment. Early access is limited. Privacy policy

CROA Notice: ClearFile is a credit repair organization as defined by the Credit Repair Organizations Act. You have the right to cancel within 3 business days of signing up, with no obligation. No upfront fees — you are only charged for services actually performed. Results not guaranteed. This service is not affiliated with or endorsed by any credit bureau. State registrations will be confirmed before any paid service launches in your state. This tool collects no PII, no credit data, and makes no score or outcome promises.