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Personal Credit Information

Trying to check your credit report? Confused about the numbers in a credit score? Check out our handy guide.

Recommended Websites

Annual Credit Report - THE ONLY GOVERNMENT APPROVED SITE FOR FREE REPORTS
Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report online, request your report by phone or request your report through the mail. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request.

Build a Better Credit Report
Bureau of Consumer Protection - Office of Consumer and Business Education

Federal Trade Commission
Their general website for credit information

Federal Trade Commission - Facts for Consumers
A .pdf guide

U.S. Financial Literacy and Education Commission
Learn how to legally improve your credit report. Also explains credit reports and credit scores, how to protect your finances.

Print Resources

completecreditrepairkitThe complete credit repair kit / by Brette McWhorter Sember.  Naperville, Ill. : Sphinx Pub., c2008. Call # 332.743 SE

 

 


 

completecreditrepairkitCredit repair / by Robin Leonard and John Lamb.  Berkeley : Nolo, c2009. Call # 332.743 LE

 

 

 

 


 

dirtylittlesecretsDirty little secrets : what the credit bureaus won't tell you / Entrepreneur Press and Jason R. Rich. [Irvine, Calif.] : Entrepreneur Press, c2006. Call # 332.7 RI

 

 


 

solveyourmoneySolve your money troubles : debt, credit & bankruptcy / Robin Leonard and Margaret Reiter.  Berkeley, CA : Nolo, 2009.Call # 346.7307 LE

 

 

 

 

yourcreditscoreYour credit score, your money & what's at stake : how to improve the 3-digit number that shapes your financial future / Liz Pulliam Weston. Upper Saddle River, N.J. : FT Press, 2009 printing. Call # 332.743 WE

 

 

 

 

Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Individual Credit Reporting Agencies

Equifax
Web: www.equifax.com
Phone: 1 800 685 1111

Experian
Web: www.experian.com
Phone: 1 866 200 6020

TransUnion
Web: www.transunion.com
Phone: 1 800-888-4213

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