Statutes, consumer protection agencies, bureau contacts, glossary terms, and external references. Everything you need to understand and enforce your credit rights — all in one place.
The primary statute governing credit reporting. 15 U.S.C. § 1681.
visit →
// resource 02Federal law governing debt collectors. 15 U.S.C. § 1692.
visit →
// resource 03File a complaint against a credit bureau, collection agency, or creditor.
visit →
// resource 04Free annual credit reports from all three bureaus — the only official source.
visit →
// resource 05Understand the 5 factors that determine your FICO score and how much each weighs.
read →
// resource 06Plain-English definitions for every credit term used on this site — from "charge-off" to "trade line".
read →
How long collectors can legally sue you for a debt in each state.
coming soon
How HIPAA intersects with credit reporting and medical debt collection.
coming soon