Who publishes this
You should know who is behind a free tool that asks you about your credit file. Here is the whole picture, including the part most sites leave out.
The publisher
Credit File Corrections is a service of Madgett Law, LLC, a Minnesota law firm. David J.S. Madgett, Minnesota Bar No. 390494, writes it and is responsible for its content. He is licensed to practice in Minnesota only.
That is a change. Until September 2026 this site was built as a separate consumer-services company with a deliberate wall between it and the firm, and it said so on every page. The firm now publishes it directly, and every page that described the old arrangement has been rewritten. If you used this site before that date and are wondering what happened to the information you entered: the letter builder never transmitted anything and still does not, and anything you sent through the review request was already going to the firm.
Credit File Corrections is not a credit bureau or consumer reporting agency, and is not affiliated with any consumer reporting agency, furnisher, or credit monitoring company. It is not a government agency, a public legal aid organization, a nonprofit, or a lawyer referral service. Nobody has authorized, endorsed, or reviewed it except the firm that writes it.
What using this site does, and does not, do
| Reading, or using the tools | Sending us a case review request | |
|---|---|---|
| Does anything reach the firm? | No. The letter builder runs in your browser and transmits nothing | Yes — that is what the form is for |
| Are you a client? | No | No, not unless and until we both sign a written agreement |
| Is what you write confidential? | There is nothing to keep — we never see it | Yes, under our professional obligations to prospective clients |
| Is this legal advice about your situation? | No. It is general information about federal law | No — advice starts after an engagement, if there is one |
| Does it cost anything? | No, and there is nothing to buy | No. A fee exists only under a signed agreement, if one happens |
How this is funded
The firm pays for it. Every tool on this site is free, nothing is gated behind an email address, and there is no paid tier. The site receives no commission or affiliate revenue from credit monitoring providers and no payment from anyone for sending a reader anywhere. It does not sell or share your information. What the firm sells is legal representation, to people who ask for it and whose cases it agrees to take, on fee terms set out in a written agreement before any work starts.
Why that matters, and it is worth being blunt about it: a site paid per lead has a reason to push you toward a lawyer whether or not that serves you. This one has a different incentive — the firm would like you to think of it if a dispute goes badly — and the honest answer to that is to make the self-help good enough that most readers never need to. Most credit file errors are fixed by the reader, without a lawyer, using exactly the machinery described here. That is not modesty; it is what the statute is for.
Why the site is built the way it is
- The letter builder never sends anything to us. The data we do not have is the data that cannot leak, be subpoenaed from us, or be repurposed. That was true when a company ran this site and it is more important now, not less.
- The review request is still two steps. A firm should not read the substance of your situation before it knows it is allowed to. Splitting it protects you if the conflict check comes back no — we will have learned almost nothing about you. That design started as a wall requirement and stayed because it is right.
- No scoring, ever. There is no field, screen, export, or internal metric anywhere that rates your situation, your damages, or your likelihood of being taken on. A machine-generated judgment about a case nobody has read is worthless at best, and it would change how people get treated.
- No testimonials, no results, no urgency. You will not find a countdown, a "see if you qualify" button, a star rating, or a settlement figure anywhere on this site.
- Sources are cited and dated. Every statutory statement links to the United States Code or the agency publication it came from and says when it was last checked. See editorial standards for how that works.
- No third-party anything. No analytics vendor, no tag manager, no webfont, no pixel, no cookies. The content security policy on this site permits no external origin at all, so it is enforced by your browser rather than promised by us.
Contact
Questions about the site itself — a broken template, a page that will not load, a source that looks wrong — go to support.
To ask us to look at what happened with your own dispute, use the case review request. You can also reach Madgett Law, LLC directly at 612-470-6529 or [email protected]. IDS Center, 80 South 8th Street, Suite 1650, Minneapolis, MN 55402.