The reference library.
Statutes, consumer protection agencies, bureau contacts, glossary terms, and external references. Everything you need to understand and enforce your credit rights — all in one place.
FCRA — Fair Credit Reporting Act
The primary statute governing credit reporting. 15 U.S.C. § 1681.
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// resource 02FDCPA — Fair Debt Collection Practices Act
Federal law governing debt collectors. 15 U.S.C. § 1692.
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// resource 03CFPB Complaint Portal
File a complaint against a credit bureau, collection agency, or creditor.
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// resource 04AnnualCreditReport.com
Free annual credit reports from all three bureaus — the only official source.
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// resource 05How FICO Is Calculated
Understand the 5 factors that determine your FICO score and how much each weighs.
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// resource 06Credit Glossary
Plain-English definitions for every credit term used on this site — from "charge-off" to "trade line".
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// resource 07Statutes of Limitation
How state, debt type, dates, and legal events affect time-barred debt.
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// resource 08HIPAA Resource Guide
How HIPAA actually intersects with billing, credit reporting, and medical collections.
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