I may miss a payment
Start with a realistic budget and contact your verified lender or servicer. Confirm any arrangement in writing.
Prepare a payment-help conversation →
CFPB consumer tools ↗A practical next step · Free borrowing tools
Find the next step for a loan problem
Choose the issue to find relevant FinToku guides and official US help.
What needs attention?
Choose an issue to narrow the next step. Nothing is submitted here and no account details are needed.
A payment or fee looks wrong
Match dates, amounts and posted transactions before asking the servicer for its calculation.
Organize a servicing evidence packet →
CFPB complaint information ↗My credit report shows an error
Review the report and use the appropriate dispute process. Keep the report issue separate from a servicing disagreement.
Read the credit-report dispute guide →
CFPB credit report resources ↗A contact or request seems suspicious
Verify the contact independently and keep a dated incident record. If money was sent, contact your payment provider through its official channel.
Organize suspicious-request notes →
FTC fraud reporting ↗My application was declined
Start with the actual notice and any reasons or instructions it provides before making another application.
Review the decline and next steps →
CFPB credit report resources ↗All five issue paths shown.
The CFPB complaint page explains supported products and what to prepare. Read its current instructions; a complaint is not a substitute for an applicable credit-report dispute or a time-sensitive response.