Knowledge Base

Consumer Credit Rights

Plain-English guides to the FCRA, dispute process, and how to protect your credit — from the team at Restore.

Consumer Credit Rights • ~1,500 words

What Is the FCRA? A Plain-English Guide to Your Credit Rights

1 in 5 Americans has a significant error on their credit report — per the FTC. Here's exactly what the Fair Credit Reporting Act says, what rights it gives you, and how to use them.

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Dispute Process • ~1,200 words

What Happens After You Dispute: The 30-Day FCRA Reinvestigation Timeline

Most guides end at "mail your letter." This one starts there. Here's exactly what happens inside the 30-day reinvestigation window — and what your options are at the end of it.

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Consumer Advice • ~1,400 words

Credit Repair Companies vs. DIY Disputing: An Honest Comparison

This article is written by a company that competes with credit repair companies. We're going to be honest about that — and honest about everything else, including the cases where they might actually be the right call.

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