Blog: credit repair guides

Plain-English guides on credit reports, dispute letters, debt collectors, debt relief and identity theft. Search or pick a topic.

How to Send a Dispute Letter by Certified Mail

Certified mail gives you proof of when your dispute was mailed and delivered. Here is how to send it, what it costs, and what to keep.

Midland Credit Management collects old debts bought by Midland Funding. Here is who they are, your rights, and how to respond to their letters.

LVNV Funding owns the debt and Resurgent Capital Services manages it. Here is how they work, your rights, and the steps to respond.

Portfolio Recovery Associates buys and collects old debts. Learn about its CFPB orders, your rights, and how to respond step by step.

CL Holdings is part of the Jefferson Capital debt-buying group. Here is how to identify the debt, request validation, and dispute errors.

Credit Collection Services often collects insurance, utility, and phone bills. Learn your call rights, how to dispute, and how to stop contact.

I.C. System collects mostly medical, utility and telecom debts. Here is how to check the debt, dispute it in writing and use your rights.

TSI collects medical bills, private student loans and more. Learn what the 2017 CFPB order said and how to respond to TSI step by step.

National Credit Systems collects for apartment owners. Here is how to check rent, damage and lease-break charges and dispute them the right way.

Kriya Capital is a Dallas investment firm that owns collection and medical billing companies. Here is how to identify the debt and respond.