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Format
Learn the basics (4)
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Credit and Your Consumer Rights
Information about the federal laws on credit reporting, credit discrimination and debt collection. Content Detail
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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
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Questions & Answers About Credit Reports
Questions & Answers About Credit Reports Read More
Forms and tools (2)
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Free Credit Report Request Forms
Use one of these forms to order your credit report, free and safe. Read More
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Western New York Consumer Help Finder
This is a landing page for the consumer triage tool. Read More
Order your credit report (3)
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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
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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
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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
Reading your credit report (2)
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Reading Your Credit Report
This fact sheet helps you understand the information on your credit report. Content Detail
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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
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Fix your credit report (5)
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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
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Correcting Your Credit Report
This fact sheet explains what to do if you find incorrect information on your credit report. Content Detail
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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
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Sample Credit Report Dispute Letter
The attached sample letter can be used to dispute incorrect or old information on your credit report. Content Detail
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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
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Credit issues for tenants (2)
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Housing Court Records & Your Credit Report
This fact sheet explains how being sued by your landlord can affect your credit report. Content Detail
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Tenant screening reports
Follow this link to find answers to your questions about tenant screening reports from HousingCourtAnswers.org. Content Detail
Credit or loan scams and disputes (3)
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Tips on Loans and Credit Card Scams
Information on illegal loan and credit card offers. Content Detail
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Advance Fee Loan Sharks
Information on how to protect yourself against companies that offer loans for a fee paid in advance. Content Detail
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The Truth About Advance-Fee Loan Scams
This resource provides additional background information in regards to being aware of advance-fee loans. Content Detail
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Improving your credit rating (3)
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Improving Your Credit Report
This resource provides useful tips on how to improve your credit report. Content Detail
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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
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File a credit card complaint (1)
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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
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- Spanish / Español
Credit repair companies (1)
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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