New York

Learn the basics (4)+

• Credit and Your Consumer Rights

  Information about the federal laws on credit reporting, credit discrimination and debt collection. Content Detail

  By:

  Federal Trade Commission

  Read this in:

  Spanish / Español

• Your rights against debt collectors under NYC law

  This resource explains how NYC law can protect you from debt collectors who may be harassing you and your rights when communicating with debt collectors. Content Detail

  By:

  New Economy Project

• Questions & Answers About Credit Reports

  Questions & Answers About Credit Reports Read More

  By:

  Mobilization for Justice, Inc.

• What to do When You Can't Pay Your Bills: Managing Your Debt

  Content Detail

  By:

  Rural Law Center of New York, Inc.

Forms and tools (2)+

• Free Credit Report Request Forms

  Use one of these forms to order your credit report, free and safe. Read More

  By:

  AnnualCreditReport.com

  Read this in:

  Spanish / Español

• Western New York Consumer Help Finder

  This is a landing page for the consumer triage tool. Read More

  By:

  LawHelpNY, Legal Assistance of Western New York - LawNY

Order your credit report (3)+

• Credit Report Info Packet

  This PDF contains everything you need to order your free credit report and dispute wrong information on your credit report. Read More

  By:

  New Economy Project

• How to Order Your Credit Report

  You can receive a free copy of your credit report once a year. Follow this link to the Federal Trade Commission to learn more about ordering your report safely. Read More

  By:

  Federal Trade Commission

  Read this in:

  Spanish / Español

• How to safely order your credit report if you are a victim of domestic violence

  Explains how to safely order your credit report if you are a victim of domestic violence. Read More

  By:

  LawHelpNY

Reading your credit report (2)+

• Reading Your Credit Report

  This fact sheet helps you understand the information on your credit report. Content Detail

  By:

  New Economy Project

• Credit Reports and Credit Scores

  Learn what a credit report is, why it is important, how to order a free credit report, tips to fix errors and improve your credit report — legally and for free. Get sample letters to order your free credit report and to correct mistakes on your credit report. And, download a complete Credit Report Info Packet, which contains everything you need to order your free credit report and dispute wrong information on your credit report. Content Detail

  By:

  New York City Financial Justice Hotline

  Read this in:

  Spanish / Español

Fix your credit report (5)+

• Credit Repair: Self-Help May Be Best

  Information on how you can improve your credit rating and legitimate resources for low or no-cost help. Content Detail

  By:

  Federal Trade Commission

• Correcting Your Credit Report

  This fact sheet explains what to do if you find incorrect information on your credit report. Content Detail

  By:

  New Economy Project

  Read this in:

  Spanish / Español

• How To Dispute Credit Report Errors

  This resource provides useful tips to use when correcting your credit report. It also provides a sample dispute letter and a copy of an annual credit report form, you can fill in and mail out. Read More

  By:

  Federal Trade Commission

  Read this in:

  Spanish / Español

• Sample Credit Report Dispute Letter

  The attached sample letter can be used to dispute incorrect or old information on your credit report. Content Detail

  By:

  New Economy Project

  Read this in:

  Spanish / Español

• Sample Follow Up Letter

  Use this sample letter if the credit reporting agency does not respond to your dispute letter within thirty days. Content Detail

  By:

  New Economy Project

  Read this in:

  Spanish / Español

Credit issues for tenants (2)+

• Housing Court Records & Your Credit Report

  This fact sheet explains how being sued by your landlord can affect your credit report. Content Detail

  By:

  New Economy Project

  Read this in:

  Spanish / Español

• Tenant screening reports

  Follow this link to find answers to your questions about tenant screening reports from HousingCourtAnswers.org. Content Detail

  By:

  Housing Court Answers

Credit or loan scams and disputes (3)+

• Tips on Loans and Credit Card Scams

  Information on illegal loan and credit card offers. Content Detail

• Advance Fee Loan Sharks

  Information on how to protect yourself against companies that offer loans for a fee paid in advance. Content Detail

  By:

  New York State Attorney General's Office

• The Truth About Advance-Fee Loan Scams

  This resource provides additional background information in regards to being aware of advance-fee loans. Content Detail

  By:

  Federal Trade Commission

  Read this in:

  Spanish / Español

Improving your credit rating (3)+

• Improving Your Credit Report

  This resource provides useful tips on how to improve your credit report. Content Detail

  By:

  New Economy Project

  Read this in:

  Spanish / Español

• Get More Money Now: How To Have Better Credit and Money For Things That Matter

  This resource provides practical information on how to improve your money situation by building up your credit. Content Detail

  Read this in:

  Spanish / Español

• What to do When You Can't Pay Your Bills: Managing Your Debt

  Content Detail

  By:

  Rural Law Center of New York, Inc.

File a credit card complaint (1)+

• Sample Credit Card Dispute Letter

  This letter sample letter attached can be used to dispute an incorrect charge on your credit card bill. Content Detail

  By:

  New Economy Project

  Read this in:

  Spanish / Español

Credit repair companies (1)+

• The Truth About Credit Reports & Credit Repair Companies

  Download this PDF for an explanation of some of the common problems you should look for in your credit report. Content Detail

  By:

  National Consumer Law Center

  Read this in:

  Spanish / Español

  Korean / 한국어

  Russian / Pусский

  Vietnamese / Tiếng Việt

  Chinese / 中文