Free Guides
Start with the files that decide everything.
Free field guides from PIFFLORD LLC. Each one is written to the same standard as our paid manuals: the rule, the steps, and where to confirm it.
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The Every-File Checklist
All eight consumer files that shape your credit, banking and identity: Equifax, Experian, TransUnion, Innovis, ChexSystems, Early Warning Services, NCTUE and LexisNexis. How to request each one free, and how to freeze or lock them.
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More field guides
Guides on the FCRA dispute clock, business credit foundations and 0% APR math are in production. Get the checklist and you will receive each new guide by email as it is released.
For educational purposes only. Not legal or financial advice.