Disclaimer

What Credit File Corrections is

A free website that helps you organize a credit report problem: understand the process, write down what is wrong, produce your own dispute letters, and keep track of what happens. It is a service of Madgett Law, LLC, a Minnesota law firm, and is written by David J.S. Madgett, Minnesota Bar No. 390494. This is attorney advertising.

What it is not

• Not a credit bureau, and not affiliated with one. Credit File Corrections is not a consumer reporting agency, is not connected to Equifax, Experian, TransUnion, any specialty agency, any furnisher, or any monitoring company, and none of them has authorized, endorsed, or reviewed anything here.
• Not a government agency or a legal aid program. It is not a nonprofit and it is not a lawyer referral service. It is published by a private law firm.
• Not advice about your situation. The articles, guides and templates describe what federal law requires in general. Nobody here has seen your file. The same statute produces opposite answers on different facts, and no page can know yours.
• Not an evaluator of your claim. This site will never tell you that your situation is strong or weak, is worth money, is likely to be taken on, or is a violation of anything. There is no scoring anywhere in it and there will not be one.
• Not your agent with the bureaus. We do not submit disputes for readers, do not log in as you, and never ask for your credit bureau credentials.

Reading this site does not create an attorney-client relationship

Nothing you read, generate, or download here creates an attorney-client relationship. Using the letter builder does not, and downloading a template does not. You do not become a client, and Madgett Law, LLC does not represent you, unless and until we both sign a written agreement.

The case review request is different, and this is the part that changed in September 2026. If you send us information through that form you become a prospective client. We will keep what you send confidential under our professional obligations to prospective clients, whether or not we take your case. That duty is not the same thing as the attorney-client privilege, which generally applies to communications inside an attorney-client relationship. We may already represent someone whose interests are adverse to yours, and we may have to decline for that or for other reasons.

We make no promises about outcomes

We do not guarantee, and cannot guarantee, that any item will be deleted or corrected, that your credit score will improve, that a dispute will succeed, that anyone will owe you money, or that we will take your case. No two credit files are alike, and nothing described on this site predicts what would happen in yours. Any service that promises those things is making a claim it cannot keep.

Nothing goes anywhere unless you send it

Reading these pages, using the letter builder, and downloading templates transmit nothing. The letter builder runs entirely in your browser and we never receive what you type into it — there is no upload, no autosave, and no account. Generating or downloading anything does not begin any legal or statutory process, does not preserve any deadline, and does not put your situation in front of a lawyer.

The only thing that sends information anywhere is the case review request, which you have to go to and fill out yourself.

About the case review

Anything you send through this site comes to Madgett Law, LLC. If you choose to request a review:

• A request is not representation, and does not make you a client.
• We may decline, including because of a conflict, and we are not obliged to explain why.
• Representation begins only after conflicts are cleared and a separate written engagement agreement is signed.
• No deadline in your situation is being protected for you at any point before that. Credit reporting claims have time limits, and sending a form does not stop one running.
• Step one asks only what a conflict check needs. Step two is where you choose, item by item, what we may see.
• We will reply by email or letter. We will not telephone you about a request you did not complete.

We do not tell you that this firm is the best choice, the necessary choice, or the right choice for you. It is one option. You are free to take your documents to any lawyer, and free to take them to none — the Minnesota State Bar Association runs a lawyer referral service, and legal aid organizations serve people who meet their income guidelines.

Madgett Law, LLC · IDS Center, 80 South 8th Street, Suite 1650, Minneapolis, MN 55402 · 612-470-6529 · [email protected]. David J.S. Madgett is licensed to practice in Minnesota only and is responsible for the content of this site.

Money

Every tool on this site is free. There is no paid tier, no subscription, no upsell, and nothing is gated behind an email address. The firm receives no commission, affiliate revenue, or other payment from any credit monitoring provider or from any other company mentioned here, and does not sell or share your information for advertising. What the firm sells is legal representation — only if you ask for it, only if we agree to take your case, and on fee terms set out in a written agreement before any work starts.

Where this is available

The articles, guides and templates are for anyone: the Fair Credit Reporting Act is federal and works the same way in every state. A case review is available to Minnesota residents only, because David J.S. Madgett is licensed in Minnesota and nowhere else.

General information, not advice about your situation

Everything on this site is general information about how credit reporting and the dispute process work. It is not advice about your facts. We check the statutes we cite against the primary sources and date them — see editorial standards — but law changes, and the way a rule applies to one person is not the way it applies to another. Do not rely on this site as a substitute for advice about your own situation.

Notice version 2026-09-10.1 · See also the terms of use and the privacy notice.