Abstract: A method for correcting and verifying consumer credit. Credit scores receive from credit scoring services determine loan awards and interest rates. Information at credit repositories is often incorrect. Credit reporting agencies report credit scores to requesting users. A consumer verifying credit information inputs requested data and requests a credit score. The application and credit scores are transmitted via a communications network. The applicant verifies information through inputs, interacting with a system hosting the credit correcting software. Repositories are contacted to correct and verify incorrect information. The program also identifies and generates a list of incorrect information. Repositories are given this information and requested to verify and correct the incorrect information, resulting in a new score with corrected credit information, typically resulting in a better credit score.