Free Credit Report
This website allows you to get your Free Credit Report. There are three credit report companies: Equifax, Experian, and TransUnion. You are allowed to get one free report from each company once a year. We recommend that you get one report every four months (one from each company), which will allow you to monitor your report on a regular basis. Remember that your report is FREE; you don’t have to accept any of the paid services to get it.
Stop unsolicited credit card offers
This website lets you opt out of receiving unsolicited credit card and insurance offers that come in the mail. You have two choices. You can fill out the form online and opt out for 5 years or you can print out a letter from the site and mail it in to be permanently removed.
National Do Not Call Registry
This website is a government site that allows you to stop those annoying phone calls from telemarketers. We recommend you put in both your landline and cell phone numbers. You will see a dramatic decline in the calls you receive. This will not eliminate political, charity and telephone survey calls, as they are exempt from the list.
Fair Credit Reporting Act
This link takes you to The Fair Credit Reporting Act (FCRA) that was enacted in 1970. It regulates the collection, dissemination, and use of consumer credit information. This statute is the basis of consumer credit rights in the United States.
Fair Debt Collection Practices Act
This link will take you to a copy of The Fair Debt Collection Practices Act (FDCPA). This statute was enacted in 1978 as part of the Consumer Credit Protection Act. Its purpose is to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with a means for disputing and being sure that credit information reported is accurate.