Know What's On Your Credit Report

You are legally allowed to receive a Free Copy of Your Credit Report once a year (report only - you must pay for your scores).  To access your free reports from each of the credit bureaus (Equifax, Experian and Transunion) you should go directly to www.annualcreditreport.com.  This site is the ONLY site authorized to provide you with your FREE annual reports. www.annualcreditreport.com.  After you review your reports be sure to check out the additional credit resources throughout the Credit Unlocked website.

Know Your Legal Rights

The Fair Debt Collections Act (FDCA) protects you from overly aggressive debt collectors. 
Click here to view the entire Act.

The Fair Credit Reporting Act (FCRA) dictates how the credit reporting agencies (credit bureaus) can use and report your information. 
Click here to view the entire Act.