$1,180 in potential
damages per person
That's the average CreditIQ finds per person. Discover what the credit bureaus owe you — all you need are your 3 free credit reports.
Get your reports free at annualcreditreport.com · Under 2 minutes · No subscription
1 in 4
credit reports has an error
$100–$1,000
per violation under FCRA
$0
upfront — attorneys work on contingency
Three steps to find your claim
Get your free reports
Download all 3 reports from annualcreditreport.com — Equifax, Experian, and TransUnion. Free by federal law, takes about 5 minutes.
Upload & scan
Drop your 3 PDFs here. We compare every account across all bureaus and flag each discrepancy that could be worth money.
Claim what you're owed
Get pre-written FCRA dispute letters. If the bureaus refuse to fix verified errors, federal law entitles you to $100–$1,000 each.
People just like you are winning
These outcomes come from FCRA cases filed in U.S. federal courts. Most started with a single credit report dispute.
TransUnion kept attaching a stranger's 3 collection accounts to a Dallas man's report. Two disputes ignored. Attorney filed — settled in 4 months.
A Chapter 7 bankruptcy discharged in 2016 kept showing as active on Experian through 2023. Consumer disputed 4 times with court documents. Damages awarded.
A paid-off medical collection kept appearing as an open balance across all 3 bureaus. Equifax refused to fix it after 3 disputes with payment confirmation.
A Jacksonville woman's Equifax file was merged with another consumer's — adding a foreclosure and 5 delinquent accounts she never had. Case settled before trial.
A mortgage showed 90 days late on TransUnion — the borrower had proof of on-time payment every month. Cost him a refinance approval. Damages awarded.
A 9-year-old charge-off past the 7-year FCRA limit was still reporting on Experian. Consumer disputed twice without a lawyer. Statutory damages awarded.
Based on publicly available FCRA federal court records and settlements. Individual results vary.
Your money is waiting to be found.
Get your 3 free reports, upload them here, and find out what you can claim — in under 2 minutes.
$100–$1,000 per error under FCRA §617 · $0 upfront · No subscription