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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

    A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal. The Federal Trade Commission (FTC) enforces the credit laws that protect your right to get, use and maintain credit. These laws do not guarantee that everyone will receive credit. Instead, the credit laws protect your rights by requiring businesses to give all consumers a fair and equal opportunity to get credit and to resolve disputes over credit errors. This brochure explains your rights under these laws and offers practical tips to help you solve credit problems. Read More

  • 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

  • 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

  • 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

  • Credit Report Dispute Form

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

  • How to (REALLY) Get A Free Credit Report

    Watch this video for information on how to really get a free credit report. Content Detail

  • Fair Credit Reporting Act

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

  • 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

  • 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

  • Credit Repair: How to Help Yourself

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

  • 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

  • University of Texas - Center for Identity

    Link to the University of Texas at Austin's webpage, IDWise: resource center to stay informed about identity theft and privacy management. Read More

  • Credit Card Repayment Calculator

    Click the link below for the Federal Reserve’s Credit Card Repayment Calculator. Based on the information you provide, the calculator will give you an estimate of how long it will take you to pay off your credit card balance. Content Detail

  • How to File an Appeal

    This how-to guide explains how to file an appeal to a court's decision and includes sample templates and explanations for the necessary paperwork and court-imposed deadlines. Content Detail