CREDIT & FINANCIAL HELP LINKS

1: Major Credit Bureaus – Contact & Disputes

These are the three main credit reporting agencies. Contact them to check your credit report, dispute errors, or place a fraud alert/credit freeze.

Equifax

  • Phone: 1-888-378-4329 (1-888-EQUIFAX)

  • Mail (for disputes): P.O. Box 740256, Atlanta, GA 30374-0256

  • Website: www.equifax.com

Experian

  • Phone: 1-888-397-3742 (1-888-EXPERIAN)

  • Mail (for disputes): P.O. Box 4500, Allen, TX 75013

  • Website: www.experian.com

TransUnion

  • Phone: 1-800-916-8800

  • Mail (for disputes): P.O. Box 2000, Chester, PA 19016-2000

  • Website: www.transunion.com

     

     

2: Free Annual Credit Reports

The only official source for your legally mandated free credit reports.

Annual Credit Report.com

  • Phone: 1-877-322-8228

  • Mail: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

  • Website: www.annualcreditreport.com

   

3: U.S. Government Resources – Education & Protection

Official .gov sites for consumer protection, credit education, and filing complaints.

Federal Trade Commission (FTC) – Consumer Advice

Consumer Financial Protection Bureau (CFPB)

  • Phone: 1-855-411-2372

  • Website: www.consumerfinance.gov

  • Key Links: Submit a Complaint | Credit Reports & Scores Resources

USA.gov – Credit and Loans

Federal Student Aid (FSA)

Federal Deposit Insurance Corporation (FDIC) – Consumer Resources

Federal Housing Finance Agency (FHFA)

U.S. Department of Housing and Urban Development (HUD)

  • Phone: 1-800-569-4287 (Housing Counseling)

  • Website: www.hud.gov

MyMoney.gov

4: Credit Counseling & Non-Profit Help

Non-profit organizations that offer free or low-cost credit counseling and debt management plans.

National Foundation for Credit Counseling (NFCC)

Financial Counseling Association of America (FCAA)

Consumer Credit Counseling Service

  • Website: Find a local office via NFCC

Consolidated Credit Counseling Services, Inc.

Family Credit Management

GreenPath Financial Wellness

Money Management International (MMI)

  

Take Charge America

  

InCharge Debt Solutions

  

American Consumer Credit Counseling (ACCC)

  

Cambridge Credit Counseling

  

ClearPoint Credit Counseling Solutions

Apprisen

LSS Financial Counseling

  

5: Identity Theft & Fraud Resources

Places to report fraud and get a recovery plan.

FTC – IdentityTheft.gov

FTC – Report Fraud

FBI – Internet Crime Complaint Center (IC3)

U.S. Postal Inspection Service

 

Social Security Administration – OIG Fraud Reporting

   

  

6: Credit Repair & Credit Building Companies

Well-known companies in the industry. Remember, you can dispute errors on your own for free.

Credit Repair Companies

 

  

7: Credit Monitoring & Scoring Services

Services

  

8: Debt Management & Student Loans

Student Loan Resources

 

Debt Relief Companies

  

9: Legal Help & Lawsuits

Legal Aid Resources

 

Legal Information Sites

  

10: Financial Education & Tools

Government Education Resources

  

Non-Profit Financial Education

  

Educational Websites & Tools

  

Tax Help Programs

  

Retirement & Savings

  

11: State & Local Resources

State Agencies & Legal Aid

  

State Regulators

  • National Association of State Credit Union Supervisors (NASCUS) – www.nascus.org

 

12: Court-Approved Credit Counseling Agencies (for Bankruptcy)

These agencies are approved to provide the credit counseling required before filing for bankruptcy.

 

13: Debt Relief & Negotiation Companies

  

14: Industry & Data Reporting Information

Consumer Data Industry Association (CDIA)

  • Website: www.cdiaonline.org

  • Description: The voice of the consumer reporting industry, representing credit bureaus and background check companies. Provides information on the Metro 2® Format for credit data reporting.

  

CDIA – Metro 2® Information

  

15: Consumer Education Handouts & Tools

CFPB – Adult Financial Education Tools

  

Downloadable Handouts (Available in English and Spanish)

  • "Act fast if you can't pay your credit cards" Handout

  • "How to fix mistakes in your credit card bill" Handout

  • "Understand your credit score" Handout

  • "Know your rights when a debt collector calls" Handout

  • "Checklist for opening a bank or credit union account" Handout

  • "SAVED: Five steps for making financial decisions" Handout

  

Debt Collection Sample Letters

  • MS Word document templates available on the CFPB tools page.

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