Credit Reports and Credit Access

Know the Law

This section has information about Credit Reports and Credit Access in Oklahoma.

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Annual Credit Report - Get it, Fix it

Every person is entitled to a free credit report every 12 months from EACH of the three nationwide credit reporting agencies. Stay on top of fraud or reporting errors by checking your report every 4 months using AnnualCreditReport.com (the official site to help consumers obtain the free annual copy). Make sure yours is correct. Reminder: Specialty reporting agency reports are NOT free.

Consumer Credit Reporting Agencies

Credit Reporting Agencies are companies that collect information and provide reports on consumers. Those reports are used to decide whether to provide consumers credit, insurance, or employment, and for other purposes. This list doesn’t cover every company in the industry. It’s a list of companies that have identified themselves as consumer reporting companies or provide consumers access to their consumer reports.

Consumer Finance Protection Bureau

The central mission of the Consumer Financial Protection Bureau (CFPB) is to make markets for consumer financial products and services work for Americans. Educate consumers, Enforce the law, Study the consumer markets.

Definitions - A Credit Card Glossary

Bankrate's financial glossary of credit card terms.

How Do I Fix My Credit Report

As a rule, it is a good idea to get a copy of your credit report at least once a year to make sure that it is correct. If there are mistakes, here's how to fix them.

Nationwide Consumer Reporting Agencies

Who can see your credit reports? Who submits information to the reporting agencies? CFPB has all the info in one place!

Oklahoma Consumer Report Security Freeze Act

Read the law that in January 2007, allows you to place a "security freeze" on your credit report.

Protecting Kids' Privacy

As a parent, you're spending time thinking about ways to make sure your children make smart and safe choices when they do. Among the many choices they're faced with online is how to deal with their personal information.

Using an Offer in Compromise to Settle a Tax Bill

How to settle a tax bill with the IRS for pennies on the dollar using an offer in compromise.

Zombie Debt Collection (Old Debts)

Zombie Debts are old debts that buyers try to bring back to life. Collectors have a lot of tricks to get you to part with your money.

Young Adult Guide - You're 18 Now - It's Your Responsibility

When you had your 18th birthday, you became an adult by law. This information is to help you understand your rights and responsibilities as an adult.

Oklahoma Consumer Report Security Freeze Act

Read the law that in January 2007, allows you to place a "security freeze" on your credit report.

OK Statutes on Identity Theft

Identity theft takes place when someone uses your personal information, Without your permission to commit fraud or other illegal activities. Oklahoma has criminal laws that punish those that commit identity theft and civil laws that provide damages and other remedies to victims of identity theft. This document gives a list of the Oklahoma statutes that relate to identity theft.

Oklahoma Find A Lawyer

As a community service, the OBA does provide a directory of its attorney members who have given their permission to have their names published in the Oklahoma Find A Lawyer directory at Oklahoma Find A Lawyer. There you can search by both geographic area or by a lawyer's practice area.

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