Credit Resources & Tools
Official government resources, credit bureau information, and helpful tools to understand your rights and manage your credit effectively.
Official Government Resources
Authoritative information from federal agencies about your credit rights under the FCRA.
Federal Trade Commission (FTC)
Primary FCRA EnforcementThe FTC enforces the Fair Credit Reporting Act and provides comprehensive consumer information about credit rights and dispute processes.
Consumer Financial Protection Bureau (CFPB)
Consumer ProtectionThe CFPB helps consumers understand their financial rights and provides tools for filing complaints against financial institutions.
Federal Reserve System
Banking RegulationThe Federal Reserve provides educational resources about credit, banking, and consumer financial protection.
Credit Bureau Information
Direct contact information and dispute procedures for the three major credit reporting agencies.
Experian
Credit Reporting AgencyEquifax
Credit Reporting AgencyTransUnion
Credit Reporting AgencyFree Credit Report Resources
Get your free annual credit reports and monitor your credit legitimately.
AnnualCreditReport.com
The ONLY official site for free credit reports
Authorized by federal law, this is the official website to get your free annual credit report from all three credit reporting agencies. Be wary of impostor sites!
Get Your Free ReportsFrequency
You're entitled to one free credit report from each bureau every 12 months.
Cost
Completely free. No credit card required. Avoid sites that ask for payment.
Processing Time
Instant online access or receive by mail within 15 business days.
What to Review
Check for errors, unfamiliar accounts, incorrect personal information, and outdated items.
Educational Resources
Learn about credit, understand your rights, and improve your financial literacy.
Credit Education
Legal Resources
Important Disclaimers
Official Resources Only
We only link to official government websites and authorized credit reporting agencies. Always verify URLs before entering personal information.
No Guarantees
Results from credit disputes vary by individual circumstances. We cannot guarantee specific outcomes or credit score improvements.
Legal Advice
This information is educational only and not legal advice. Consult with a qualified attorney for specific legal questions about your situation.
Current Information
We strive to keep all links and information current, but procedures and contact information may change. Always verify with official sources.
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