Consumer rights, in plain English.
Practical guides on disputing charges, fixing credit reports, and forcing banks and big companies to do the right thing.
Someone opened a credit card in my name — what to do
Step-by-step: shut down the fraudulent account, force the bureaus to remove it, and sue under the FCRA when they refuse.
Read more Unauthorized ChargesMy bank won't refund an unauthorized charge — what to do
EFTA and Regulation E often force the bank to give your money back. Here's how to make it happen — and when it becomes a lawsuit.
Read more Credit Report ErrorsHow to remove a charge-off from your credit report
Most charge-offs are reported with errors that, under the FCRA, require deletion. Here's the playbook — and the lawsuit lurking inside it.
Read more Debt CollectionDebt collector calling about a debt that isn't mine — what to do
Your FDCPA rights when a collector pursues a debt you don't owe — and the violations that turn calls into a federal case.
Read more Credit Report ErrorsMixed credit file: someone else's accounts on my report
When the bureaus blend your file with a stranger's, the FCRA hands you one of the strongest cases in consumer law.
Read more Disputed ChargesHow long does a bank have to investigate a dispute?
The exact federal deadlines for credit-card and debit-card disputes — and what happens when the bank blows past them.
Read more Credit Report ErrorsPaid collection still showing on credit report — what to do
You paid the debt and it's still tanking your score. Here's what the FCRA actually requires — and how to force a fix.
Read more Credit Report ErrorsWhat is a 1681i dispute letter? (With template)
FCRA §1681i forces the bureaus to actually investigate. Here's what to put in your letter — plus a template you can adapt.
Read more Disputed ChargesHow to dispute a credit card charge — and what to do when the bank says no
The right way to file a billing-error dispute, the deadlines that matter, and the federal law that kicks in when your bank rubber-stamps a denial.
Read more Disputed ChargesBank denied your dispute? Here's your next move
A denial isn't the end of the road. Most denials are exactly when a real legal claim against the bank begins.
Read more Refund DisputesMerchant refused your refund? Your legal options
When stores, subscription services, and online sellers stonewall a refund, state and federal laws give you teeth — including treble damages in many states.
Read more Credit Report ErrorsCan I sue for credit report errors? FCRA explained
What counts as an FCRA violation, what damages you can recover, and the exact steps that lead to a winning case against the bureaus.
Read more