Creditors & Lenders

Creditors and lenders — the banks, credit-card issuers, auto-finance companies, and mortgage and personal-loan lenders you borrow from — are the original sources of most information on your credit report. Under the Fair Credit Reporting Act, a company that reports information about you (a “furnisher”) must investigate your disputes and correct anything it cannot verify. When a creditor reports a balance you already paid, an account discharged in bankruptcy, a charge-off with the wrong dates, or an account that is not even yours, you have the right to force a correction and to recover money for the harm it causes. Below are the creditors and lenders we help consumers with, organized by type. If yours is not listed, we can still help. Start with our FCRA lawyer overview if you want to understand the law before you dispute.

Credit card issuers and personal-loan lenders make up the largest group of data furnishers reporting to the credit bureaus, and they answer to the same FCRA investigation duties as every other furnisher.