Resource Center: Official 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 .

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

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

4. Credit Counseling & Non-Profit Help

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

5. Identity Theft & Fraud Resources

Places to report fraud and get a recovery plan.

6. Credit Repair & Credit Building Companies

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

7. Credit Monitoring & Scoring Services

8. Debt Management & Student Loans

9. Legal Help & Lawsuits

10. Financial Education & Tools

11. State & Local Resources

  • National Association of Attorneys General (NAAG)

  • Texas Office of Consumer Credit Commissioner (Example State Agency)

  • LawHelp.org (Find free legal aid in your state)

Additional Resource Center Listings

12. More Government & Educational Resources

  • FDIC - Money Smart

    • Website: www.fdic.gov/moneysmart

    • Description: A comprehensive financial education program covering topics like borrowing basics, credit reports, and managing debt .

  • FDIC - How Money Smart Are You?

  • MyMoney.gov - Save & Invest

  • HelpWithMyBank.gov

    • Website: www.helpwithmybank.gov

    • Description: Official help site from the Office of the Comptroller of the Currency (OCC) for customers of national banks .

  • Federal Reserve Education

  • National Credit Union Administration (NCUA)

    • Phone: 1-800-755-1030

    • Website: www.ncua.gov

    • Description: Independent federal agency that supervises federal credit unions; offers consumer resources and share insurance information .

  • Council for Economic Education (CEE)

    • Website: www.councilforeconed.org

    • Description: Offers K-12 economic and personal finance education programs and curriculum .

  • National Endowment for Financial Education (NEFE)

  • Consumer Action

    • Website: www.consumer-action.org

    • Description: A national non-profit, multilingual organization engaged in financial literacy and consumer protection .

  • CreditSmart

    • Website: www.creditsmart.org

    • Description: A multilingual financial education curriculum designed to help consumers build and maintain better credit and achieve sustainable homeownership .

  • NeighborWorks America

    • Website: www.neighborworks.org

    • Description: A national nonprofit organization created by Congress to provide financial support and training for community revitalization .

  • IRS - Volunteer Income Tax Assistance (VITA)

    • Website: www.irs.gov/vita

    • Description: Free tax help for taxpayers who qualify, including opportunities to open a bank account to receive refunds electronically .

  • IRS - Tax Counseling for the Elderly (TCE)

    • Website: www.irs.gov/tce

    • Description: Free tax help for taxpayers aged 60 and older .

  • America Saves

    • Website: americasaves.org

    • Description: A campaign encouraging all Americans to save money, reduce debt, and build wealth .

  • Department of Labor - Retirement Plans

    • Website: www.dol.gov/retirement

    • Description: Information for owners of small businesses on various retirement plan options .

  • CFPB - Start Small, Save Up

13. Court-Approved Credit Counseling Agencies (for Bankruptcy)

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

14. Debt Relief & Negotiation Companies

15. 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

16. Consumer Education Handouts & Tools

  • CFPB - Adult Financial Education Tools

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

    • Link: Available in English and Spanish on the CFPB tools page .

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

    • Link: Available in English and Spanish on the CFPB tools page .

  • CFPB - "Understand your credit score" Handout

    • Link: Available in English and Spanish on the CFPB tools page .

  • CFPB - Debt Collection Sample Letters

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

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

    • Link: Available in English and Spanish on the CFPB tools page .

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

    • Link: Available in English and Spanish on the CFPB tools page .

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

    • Link: Available in English and Spanish on the CFPB tools page .

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