Learn how collections work, understand your consumer rights, and take the right steps to challenge inaccurate information on your credit report.

Understand how debt collections work and how they affect your credit.
Learn your rights under the FCRA and FDCPA.
Spot inaccurate balances, dates, duplicate accounts, and reporting errors.
Follow a step-by-step process for disputing inaccurate collections.
Use a customizable Round 1 credit bureau dispute letter template.
Learn how to review dispute results and determine your next steps.
BONUS #1 — DEBT COLLECTOR PHONE SCRIPT
Know what to ask, what to document, and how to communicate with collectors.
BONUS #2 — DEBT VALIDATION LETTER TEMPLATE
A customizable template for requesting information about a debt when appropriate.
BONUS #3 — PAY-FOR-DELETE NEGOTIATION TEMPLATE
Learn how to propose a settlement arrangement without assuming deletion is guaranteed.
BONUS #4 — COLLECTION ACTION CHECKLIST
Organize your documents, track responses, and stay on top of important dates.