There is so much to know when it comes to understanding credit. Having questions is normal. Here we have provided some helpful links to take you directly to the source.
Direct links to help you see and stay on top of your credit.
https://www.annualcreditreport.com/
This is the location to find your free annual credit report. This will direct you to annualcreditreport.com
This will allow you to see both Equifax and TransUnion Credit Bureau credit reports. This service is free. You will find credit tips, articles, and offers. This will direct you to creditkarma.com
This will allow you to see your Experian Credit Bureau credit report. This service is free. You can review all 3 Credit Bureaus here with a paid subscription. You will find credit tips, articles, and offers. This will direct you to experian.com
Comprised of various Credit related Acts. This Act offers provisions for Consumer Protection, Reporting Requirements, and Debt Collection.
https://en.wikipedia.org/wiki/Consumer_Credit_Protection_Act_of_1968
This will allow you to revie the contents of the Consumer Credit Protection Act. This defines the Truth In Lending Act, Fair Credit Reporting Act, Credit Repair Organizations Act, and Fair Debt Collection Practices Act. In the absence of a direct link, this will direct you to wikipedia.com where you can use the external link to the downloadable PDF file.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act
This will allow you to review the contents of the Fair Credit Reporting Act to understand the protections it offers. It contains information regarding Consumer Protection, Privacy and Security, and Credit Reporting Governance. The content is in a downloadable PDF format. This will direct you to the Federal Trade Commission at ftc.gov.
https://www.ftc.gov/legal-library/browse/statutes/truth-lending-act
This will allow you to review the contents of the Truth In Lending Act to understand what disclosures creditors must make to consumers. There are several amendments to keep up with changing financial products. This will direct you to the Federal Trade Commission at ftc.gov.
https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act
This will allow you to review the contents of the Credit Repair Organizations Act to understand the protections provided to consumers of Credit Repair services. This will direct you to the Federal Trade Commission at ftc.gov
https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text
This will allow you to review the contents of the Fair Debt Collection Practices Act to understand what protections are provided to consumers who are being pursued by debt collection. This outlines the acceptable and unacceptable practices of collection and associated consumer rights. This will direct you to the Federal Trade Commission at ftc.gov
Credit is a game that must be played. Learn the rules before it plays you.
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