Credit reports and scores
Improve your credit
Check report accuracy, score factors, balances, and credit-building strategies without relying on score guarantees or quick-fix claims.
Credit Proud guides
Detailed guidance for the credit task in front of you.
Choose the guide that matches the subject you need to understand. Each one combines plain-language context, practical next steps, and links to the underlying sources.
Choose a guide
Use this page if: you know the broad credit or debt subject and want a thorough guide rather than a single-purpose tool or template.
Four main guides
Choose the guide that fits.
Court papers have their own guide because a response deadline may apply. For a score change, denial, unfamiliar account, or financial goal, use one of the starting-point pages below instead.
Debt collection
Handle debt collections
Read collection notices, verify the company and debt, keep records, and assess the response options that fit the account.
Rights and scams
Protect yourself
Find consumer protections, complaint routes, identity-theft steps, and warning signs for collection or credit-repair scams.
A deadline may apply
Debt lawsuit court papers
Verify the case, record the response deadline, and find the court instructions and response steps that apply where the case was filed.
Not sure which guide applies?