Credit Reporting and Improving Your Credit:

• FTC: How to Build a Better Credit Report
  • This is a great brochure by the Federal Trade Commission on how to improve your credit. I give out the “hard copy” version in my office, and even ordering them 500 at a time from the FTC, I can barely keep them in stock.

  Order Your Free Annual Credit Reports Here

  • Everyone should check their credit on a regular basis. Once a year, you are entitled to obtain a copy of your “consumer report” from each of the major credit bureaus. You can order them at this web site.

  Your “FICO” Score- Find Out How Lenders Rate Your Credit

  • This is the web site of your “fico” score, the one number that can make you pay more (or less) for a mortgage, a car loan, or a credit card. It’s kind of like your “adult report card.”

  New to the U.S.? Don’t Have Credit? Click Here To Find Our How to Start

  • This is an article about how to start building a credit file, if you are new to America and don’t have any credit.

  Experian: One of the Three Major Credit Reporting Agencies

  • Experian: One of the Three Major Credit Reporting Agencies.

  Transunion: One of the Three Major Credit Reporting Agencies

  • Transunion: One of the Three Major Credit Reporting Agencies

  Equifax: One of the Three Major Credit Reporting Agencies

  • Equifax: One of the Three Major Credit Reporting Agencies.

  Opt Out Prescreen – Tired of Credit Card Offers? Opt Out!

  • Optoutprescreen.com is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance.

  Identity Stolen Already? Go Here To Find Our What To Do

  • This is the FTC’s official web site on identity theft, and what to do if it happens to you. You may also want to contact an attorney such as myself. You may be entitled to money damages from one or more credit reporting agencies or other parties.