Credit Reports
Credit and Your Consumer Rights
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they...
Get Your Credit Report
The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a copy of your credit report once every 12...
How to Dispute Credit Report Errors
Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell...
Interactive Self-Help Letters to Creditors or Credit Bureaus About Debt
Ageing Safely has developed the following three forms to help with consumer law issues or issues dealing with money and debt:
Letter to a creditor to request debt forgiveness when a bill is...
The Truth About Credit Reports & Credit Repair Companies (English and Spanish (Espanol))
For more information regarding the truth about credit reports and credit repair agencies in English, please see our guide in English below.
Para informacion en Espanol, ha clic "La Verdad Sobre...
What is a Credit Report
If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file is known as your credit report. It includes information on where you live, how you pay...
Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting...