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Get Full AccessScore tracker
Log your own score with Full Access
Members track their score monthly and watch it climb as accounts resolve. This trend is an example.
Get Full Access- 642 · 2026-05-15 · FICO 8 (Experian app)
- 618 · 2026-04-14 · FICO 8 (Experian app)
- 601 · 2026-03-12 · FICO 8 (Experian app)
- 588 · 2026-02-10 · FICO 8 (Experian app)
Credit report checklist
Pull your free reports, then record how each tracked debt actually appears. Your recommendations below update as you go.
Acme Debt Buyers, LLC
$8,400
Summit Medical Collections
$1,900 · settled for $700
Anything else going on?
Your next steps
Generated from your scores, your tracker, and your checklist — educational guidance, not a promise about your score.
Dispute the incorrect reporting on 1 account
You marked Acme Debt Buyers, LLC as reporting wrong. Under the Fair Credit Reporting Act (§611) you can dispute with each bureau showing the error — online or by mail — and they must investigate within 30 days. Attach your written settlement agreement and proof of payment; documented disputes like this are very winnable. If the furnisher re-reports the error, that itself is a violation worth taking to a consumer attorney.
Your medical debt has special credit rules
Medical collections under $500 should not appear on your credit report at all, unpaid medical debt can't be reported until a year after it went to collections, and paid medical collections must be removed entirely. If any of these rules are being broken on your report, dispute it — and before paying anything, ask the provider for an itemized bill and about charity care.
580–669: your settlements are about to start paying off
In this band, verified-accurate reporting is worth real points. Make sure every settled account shows exactly what was agreed, keep utilization on active cards under 30% (under 10% is better), and don't close old cards — account age helps you. Time does the rest.
Never pay for your own credit report
Federal law gives you free reports from all three bureaus every week at AnnualCreditReport.com. Anyone charging you for "credit report access" is selling you something you already own.
Where to get monitoring — free, forever
You don't need to pay anyone to watch your credit. None of these links earn us a penny — no affiliate codes, no kickbacks, same as our attorney directory.
AnnualCreditReport.com
Your full report from all 3 bureaus, free, every week
The only federally authorized source. No score, but this is the document that matters for verifying settlements.
Experian (free tier)
FICO 8 score + Experian report monitoring
The only free source of an actual FICO score. Expect upsells to paid tiers — the free tier is enough.
Capital One CreditWise
VantageScore 3.0 + TransUnion monitoring
No Capital One account required. Clean alerts, fewer upsells.
Credit Karma
VantageScore 3.0 from TransUnion + Equifax
Free because it shows you credit card offers. Use the monitoring, ignore the offers.