Corrections

All substantive edits since the site began, newest first

A typo fix does not go here. A change to what an article claims does. We do not silently edit a published page.

• August 4, 2026

  Glossary — the entry for charge-off previously said the creditor “writes off the debt,” which several readers read as forgiveness. Rewritten to say explicitly that the debt survives the accounting entry.

• July 2, 2026

  Closing an old card — the original version said closed accounts remain on the report for “seven to ten years.” That conflated the derogatory purge period with the retention of accounts in good standing. Corrected to about ten years from closure for accounts in good standing.

• May 30, 2026

  Inquiries — we gave the rate-shopping window as 45 days without qualification. It depends on the model generation and can be as short as 14 days. Corrected, and the practical advice narrowed accordingly.

• April 18, 2026

  Disputing an error — the piece said the reinvestigation period “can be extended to 45 days.” The extension is 15 days added when the consumer supplies further information during the reinvestigation, which is not the same statement. Fixed.

• February 9, 2026

  Reading a credit report — the table described the payment history grid as reading left to right. The direction differs between agencies. Reworded.

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