Learning Center
Free credit and debt education from Rebuild Credit Today: guides on credit scores, disputes, utilization, building credit, and how to spot debt relief and credit repair scams.
Straight, free education to help you rebuild credit and avoid getting ripped off along the way. No jargon, no upsells — just what works and what to watch out for.
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Debt Relief & Scams
Spot credit repair, debt settlement, student loan, and debt collector scams before you pay. Includes our free Scam Checker tool.
Credit Score Basics
What actually makes up your score, and which moves move the needle.
Coming soon
Disputing Errors
How to find and dispute inaccurate items on your credit report — for free.
Coming soon
Credit Cards & Utilization
How balances vs. limits affect your score, and how to optimize.
Coming soon
Building Credit History
Secured cards, credit-builder loans, and becoming an authorized user.
Coming soon
Spotlight: Real Debt Help vs. Fake Promises
When you’re behind on bills or maxed out, you become a target. Scammers know exactly what to say: “guaranteed approval,” “erase your debt,” “delete bad credit,” “new government program.” Some help is real, some is expensive but legal, and some is flat-out fake. This is our deepest set of guides — start with the main guide, or jump to a topic.
New: the free Scam Checker
Answer 8 quick questions about any debt relief offer and get an instant risk read before you hand over money or personal information.
Free tools to rebuild credit
Generate a 90-day plan, a dispute letter, a budget, or run a payoff calculation — all free and private.