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Credit Score & Reports

Credit Scores (FTC)

Information about credit scoring, how the credit scoring system is developed and ways to improve your score.

Understanding and Improving Your Credit Score

Explains your credit rating and how it affects you.

The Fair Credit Reporting Act (FCRA) requires all consumer reporting agencies that operate nationally to give you a free copy of your credit report annually, when you ask for one. The nation's three largest consumer reporting agencies have set up a website, a toll free telephone number, and a mailing address that you can use to order your free annual report:

Credit Repair: How to Help Yourself (FTC)

Recognize credit repair scams and learn how to legitimately repair your credit free of charge.

You may dispute an error on your credit report by contacting either the credit reporting company or the company that provided information about you. The Consumer Financial Protection Bureau provides tips about what to submit with your dispute, contact information for the nationwide credit reporting companies, and options about what to do if your dispute is not resolved to your satisfaction.