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Credit Repair Education

1 - Introduction to Credit2 - Repairing Your Credit3 - Protecting Your Credit4 - Consumer Credit Laws5 - Resources

         

 

 

Extra Resources

Below are additional resources to help you repair your credit:

  • Free Credit Report - You are entitled for a free credit report from 3 of the national credit reporting agencies. To order your free credit report visit www.annualcreditreport.com or call 1-877-FACT-ACT.

    1. To purchase additional copies of your credit reports after you’ve obtained your free annual credit reports, contact the following credit reporting agencies individually. You can order by mail, phone, or online.

      1. Equifax: www.equifax.com, 800-685-1111, Disclosure Department, P.O. Box 740241, Atlanta, GA 30374

      2. Experian: www.experian.com, 888-397-3742, P.O. Box 2104, Allen, Texas 75013

      3. TransUnion: www.transunion.com, 800-888-4213, P.O. Box 1000, Chester, PA 19022

  • Credit Karma - This is a free online service that allows you to receive your TransUnion credit score once per day.  There are no strings attached and there are other tools for you to compare your credit score with others.  Visit http://www.creditkarma.com for more information.

  • Consumer Credit Counseling Service (CCCS) -  If you have serious financial problems this nonprofit community service organization dedicated to helping people like you. Visit http://www.cccsstl.org for more information.

  • The National Foundation for Credit Counseling (NFCC) - The NFCC is the nation's largest and longest serving national nonprofit credit counseling network, with more than 100 Member agencies and nearly 850 offices in communities throughout the country. Each year, NFCC Members assist 4 million consumers, helping many to drive down their debt and take control of their finances. Visit http://www.nfcc.org for more information.

  • Bankrate.com Calculators - Numerous online financial calculators for mortgage, retirement, investing, car loans, credit cards and refinancing. Visit http://www.bankrate.com/calculators.aspx to use.

  • American Bankruptcy Institute (ABI) - If you are seriously considering filing for bankruptcy visit ABI’s website for an overview of how the process works. Visit www.abiworld.org and click on “Consumer Education Center”.

  • The Debt-Proof Living Newsletter – This news letter offers an abundance of advice and information to help you with your money, especially if you are having problems. Visit www.debtproofliving.com to signup for their newsletter.

  • The Federal Trade Commission (FTC) – The FTC enforces consumer protection laws for credit reporting, credit repair, credit application, debt collectors, etc. The FTC also offers free information (worksheets, brochures) about credit-related laws, information about borrowing money and using credit cards and a variety of other consumer related topics. Visit www.ftc.gov/bcp/consumer.shtm for more information.

  • The National Consumer Law Center (NCLC) - This is a national nonprofit organization that helps low-income consumers. NCLC helps low-income consumers with debt collectors, foreclosures, repossessions, utility terminations, and other debt related issues. Visit www.consumerlaw.org for more information.

  • The National Foundation for Credit Counseling (NFCC) – This is an organization with about 1,000 offices nationwide, many of which are known as Consumer Credit Counseling Service. NFCC offices offer a variety of services by telephone or in person, which includes budget counseling and education, debt management plans and financial classes. NFCC counselors are trained and certified. Depending on your income, NFCC services maybe free, otherwise there is a very low cost to use their services. For more information visit www.nfcc.org or call 800-388-2227.

 

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