Defend Your Dollars is the website of the Consumers Union Financial Services Campaign, where we support reforms to the financial marketplace to curb bad practices by banks and lenders.
Credit Reports
Consumers living throughout the U.S. now have the right to order a free copy of their credit report thanks to a federal law, known as the Fair and Accurate Credit Transactions Act (FACTA), adopted by Congress in 2003. Because credit reports are free, consumers have better access to this important document and can take steps to make sure it offers a fair picture of their credit history.
Your credit is one of your most important assets. Having good credit means you should have more options to borrow money at the lowest cost and from the best lenders. It also means that others who look at your credit -- such as landlords, insurance companies, or even prospective employers -- are less likely to turn you away or penalize you because you have poor credit.
Take the first step to find out where you stand in the credit world. Get a copy of your consumer credit report and credit score.
Your consumer credit report should contain accurate and up-to-date information about your credit history and behavior. Having your consumer credit report and credit score in hand lets you see what your creditors or those who base decisions on your credit will see. If you discover mistakes, you can have them corrected. Reviewing your consumer credit report can also alert you if someone has stolen your identity.
Be sure to get a free copy of your consumer credit report to stay up to date with your credit profile and to protect yourself from identity theft.
The information on this site is provided as a guide and is not meant to be legal advice. Be sure to consult an attorney for legal advice.
Tell Us Your Story!
For years, government regulators have turned a blind eye to abusive financial practices and we’ve all paid a price. We're working to put an end to tricky financial products and we’re on the look-out for new rip-offs as they emerge. Help us keep an eye on what’s happening in the financial marketplace so we know where to push for reform.
We want to hear from you. Your willingness to share your stories helps us pass laws to protect you and your family.How to complain to the Government
Online, by mail, phone or fax... Agencies need to hear from you!
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