ScoreShield scans your credit report for violations of FCRA, FDCPA, and CFPB rules. Then we help you enforce your rights. No SSN required to start.
Equifax, Experian, and TransUnion process billions of data points. They get it wrong constantly. Wrong balances. Accounts that aren't yours. Debts you already paid. These errors cost you homes, cars, and business funding. The bureaus profit either way.
Someone else's debt on your report because of a similar name or SSN
Paid-off debts still showing outstanding, inflating your utilization
Collections that can't prove you owe them. The law says they must.
Negative items past the 7-year reporting window still dragging your score
Four steps from errors on your report to enforcing your legal rights and accessing funding.
Upload your credit report. No SSN required. Our system scans all three bureaus for errors and violations.
Every inaccuracy, every unverifiable account, every violation of FCRA Section 611. Documented and flagged.
Strategic dispute letters citing specific federal law. The bureaus have 30 days to investigate or remove. That's the law.
Clean report. Higher score. Access to the homes, cars, and business funding you were denied before.
Three federal laws protect your credit rights. Most people don't know they exist. That changes now.
Requires credit bureaus to maintain accurate information. Gives you the right to dispute errors and demand investigation within 30 days. Violations carry statutory damages of $100 to $1,000 per violation.
Prohibits abusive debt collection tactics. Collectors must verify the debt if you request it. Reporting unverified debt to credit bureaus is a federal violation.
Federal enforcement agency that oversees credit bureaus. Your complaint is their mandate. CFPB complaints force bureau responses within 15 days.
Not a subscription trap. A focused 90-day program that systematically identifies every error on your report and enforces your federal rights until they're resolved.
Deep scan of Equifax, Experian, and TransUnion reports
Custom FCRA-compliant letters for each bureau and furnisher
Escalation to federal regulators when bureaus ignore disputes
5-part course on surviving the credit game with intelligence
Assessment of your lending eligibility after enforcement
The credit bureaus have the data. You have the law. ScoreShield makes sure they follow it.