1. Obtain your reports
Access credit reports through the federally authorized website. Save a copy for your records and check each bureau separately.
AnnualCreditReport.comFree Credit Report Self-Help
Understand your credit reports, recognize possible inaccuracies, and learn how to dispute errors yourself. These resources are free for everyone: no client account, purchase, subscription, or referral is required.
Your rights and your next steps
Credit reporting companies and furnishers have legal obligations to investigate eligible disputes. Consumers can use these rights directly at no charge.
2. Identify factual errors
Look for accounts that are not yours, incorrect balances, payment-history errors, duplicate listings, or dates that can be verified as inaccurate.
CFPB error-dispute guide3. Dispute inaccuracies
Explain exactly what is incorrect, why it is incorrect, and include copies of supporting evidence. Keep copies of everything you submit.
FTC sample dispute letter4. Contact the reporting business
When appropriate, dispute inaccurate information with both the credit reporting company and the business that supplied the information.
FTC dispute steps5. Handle identity theft
When an account results from identity theft, use the federal recovery resources instead of treating it as an ordinary reporting error.
IdentityTheft.gov6. Understand the limits
Accurate negative information generally cannot be removed simply because it harms your score. No legitimate service can guarantee a deletion or credit-score increase.
CFPB on accurate informationIndependent and free
Using these public resources is never a condition of purchasing another Johnson Strategic Solutions service. Business setup, automation, and any other legally available written advisory offerings are separate. A referral link or paid monitoring subscription is not required.
You do not need to send us a credit report, Social Security number, account password, or dispute documentation to use this page. This page does not transmit information to REAPER or open a credit-repair case.
Availability of individual assistance
Johnson Strategic Solutions is not currently accepting personalized consumer credit-repair or credit-dispute engagements in Georgia. Any future individual service must undergo separate jurisdiction-specific legal review before it is offered. The resources linked here are published by federal consumer-protection agencies, not provided as individualized advice by Johnson Strategic Solutions.