We're on a mission to fix a broken system.

Every year, credit bureaus process billions of records through automated systems that routinely produce errors. 44% of credit reports contain mistakes. 1 in 5 errors are serious enough to affect loan decisions. And when consumers try to fix these errors, they're forced to navigate a system designed to protect the bureaus — not them.

Consumers are often told their only option is a monthly subscription service — a model that rarely fixes real errors. Attorneys are hard to find. And doing it yourself requires hours of research into complex federal regulations.

We built CreditHound to change that. We help you identify possible errors on your credit report — free — and, when appropriate, connect you with experienced FCRA attorneys in our partner network who independently evaluate whether a legal claim may exist. They typically work on contingency, at no cost to you. We do not draft, send, or file dispute letters on your behalf. Prior results do not guarantee a similar outcome.

Most of the damage we see comes from a short list of reporting failures. Accounts opened with a stolen identity. Mixed files, where your report absorbs the debts of someone with a similar name or Social Security number. Deceased markers placed on living consumers. Debts sold between collectors and re-aged so an old delinquency looks recent. Balances still reported as unpaid years after a payoff, settlement, or bankruptcy discharge. Duplicate collection accounts for a single underlying debt.

None of those are the consumer's fault, and all of them are the kind of inaccuracy the Fair Credit Reporting Act was written to address. A credit bureau must follow reasonable procedures to ensure maximum possible accuracy, and once you dispute an item, both the bureau and the furnisher that supplied the data have to investigate — not simply re-confirm what they already reported.

That is where cases begin. When a dispute comes back "verified as accurate" and the information is still wrong, the failure is documented, and a consumer attorney can pursue actual damages, statutory damages, and attorney's fees on your behalf.