Your Rights · Privacy
Debts opened in your name without consent?
Fight back — recover your credit.
Answer 5 quick questions — get a step‑by‑step recovery plan, CFPB complaint templates, and credit bureau dispute letters.
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One‑time purchase · Printable HTML · Recover your credit
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Instant delivery to your emailThe Problem
Someone opened debt in your name — and you didn't know.
Coerced debt is different from identity theft
Unlike identity theft by strangers, coerced debt involves someone you know — and it can be harder to report.
You have legal protections
The FCRA and CFPB protect you. You can dispute these debts and have them removed from your credit report.
You need the right language
A well-written dispute letter with legal references is more likely to succeed. We'll help you write one.
You need to report to the CFPB
The Consumer Financial Protection Bureau can help you hold creditors accountable. We'll include a template.
What you get
Everything you need to dispute coerced debt and restore your credit.
Recovery plan
Step‑by‑step guide to dispute debts and protect your rights — from start to finish.
CFPB complaint template
Ready‑to‑submit complaint to the Consumer Financial Protection Bureau — with placeholders.
Credit bureau dispute letters
Formal letters to Equifax, Experian, and TransUnion — with FCRA references.
Rights guide
Coerced debt vs. identity theft — what's the difference, and your rights under the law.
How it works
From unknown debt to credit restored in 2 minutes.
1
Answer 5 quick questions
Relationship, debt type, amount, contact status, and special concerns.
~2 minutes2
AI builds your custom recovery plan
You get a complete HTML document with recovery steps, CFPB complaint, credit bureau letters, and rights guide.
~30 seconds3
Restore your credit
Follow the plan — submit the letters and get the debts removed.
You decide1
complete recovery plan
5
recovery steps
2
dispute letters
1
CFPB complaint
Questions
Everything you need to know.
What is the difference between coerced debt and identity theft?
Identity theft usually involves strangers stealing your information. Coerced debt is when someone you know — a partner, family member, or caregiver — uses your identity without your consent, often through manipulation or pressure. Both are illegal, but coerced debt can be harder to report because of the personal relationship.
Can I really get these debts removed from my credit report?
Yes — under the FCRA, you have the right to dispute any accounts that are not yours. If you provide the right evidence and use the correct language, credit bureaus must investigate and remove fraudulent accounts.
What if I'm afraid to report the person?
That's understandable. The guide includes steps to protect yourself and resources for getting help. You don't have to confront the person directly — you can file disputes and complaints without naming them.
Do I need to file a police report?
It helps, especially with creditors. But it's not always required. We'll help you decide based on your situation.
What if the creditor refuses to remove the debt?
If they refuse, you can escalate to the CFPB or your state attorney general. The guide includes a CFPB complaint template and steps for further action.
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