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Credit Cards, Reports, and Repair

Legal Resources

This section provides guides and publications on the following subjects:

Credit Cards: A card that allows the user to "charge it" or borrow funds when buying goods and services.

Creidt Reports: A person's individual history of borrowing and repaying on debts. This record includes information on several issues including bankruptcy.

Credit Repair: The process of raising a bad credit score to make it easier to borrow funds in the future.

  • Credit and Your Consumer Rights

    How to get your free credit report, how to correct errors, what to watch out for, and how the FTC and others can help. Read More

    By:
    Federal Trade Commission (FTC)
  • Using a Credit Card

    Regardless of whether you’re using your credit card to buy a laptop or laundry soap, you have rights and responsibilities under the law. Getting a good grip on the safe use of credit cards can help you avoid a credit calamity. Content Detail

    By:
    Federal Trade Commission
  • Credit, ATM, and Debit Cards : What to Do If They Are Lost Or Stolen

    Many people find it easy and convenient to use credit cards and ATM or debit cards. The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer procedures for you to use if your cards are lost or stolen. Please click the link below for more information. Read More

    By:
    Federal Trade Commission
  • How Credit Scores Affect You

    Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay. The information here helps you understand more. Read More

    By:
    Federal Trade Commission
  • Credit Report Dispute Form

    Click the link below for information and a form you can use to dispute your credit report. Read More

    By:
    Federal Trade Commission
  • FTC Videos for Identity Theft & Scams

    Videos on the Federal Trade Commission's website explaining identity theft and other scams to be aware of. Content Detail

    By:
    Federal Trade Commission
  • Fair Credit Reporting Act

    This resource provides the full text of the Fair Credit Reporting Act. Read More

    By:
    Federal Trade Commission
  • Equal Credit Opportunity: Understanding Your Rights Under the Law

    The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit. Read More

    By:
    Federal Trade Commission
  • Credit Repair: A Guide

    Please click the link below for a guide to credit repair written by the office of the Texas Attorney General. Content Detail

    By:
    Office of the Texas Attorney General
  • Credit Repair: How to Help Yourself

    Information on how to help yourself if you are looking into repairing your credit. Read More

    By:
    Federal Trade Commission
  • A Guide to Building a Better Credit Report

    The Federal Trade Commission (FTC), the nation’s consumer protection agency, has written this booklet to help explain how to build a better credit report. Click the link below for it. Read More

    By:
    Federal Trade Commission
  • Government Approved Free Credit Report

    The REAL free way to get a free annual credit report without signing up for additional services or scams. Read More

    By:
    Federal Trade Commission
  • Paying Back Credit Card Debt

    Click the link below for information and tools on repaying credit card debt. Read More

    By:
    Federal Trade Commission
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    Spanish / Español