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Credit Reports and Credit Access

Know the Law

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

  • 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. Read More

    By:
    Legal Aid Services of Oklahoma, Inc.
    Read this in:
    Spanish / Español
  • Avoiding Credit Card and Debit Card Fraud

    This fact sheet tells the dos and don'ts to protect yourself from card fraud, and how to report fraud. Content Detail

    By:
    Federal Trade Commission
  • 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. Read More

    By:
    Legal Aid Services of Oklahoma, Inc.
  • 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. Read More

    By:
    consumerfinance.gov
  • Definitions - A Credit Card Glossary

    Bankrate's financial glossary of credit card terms. Content Detail

    By:
    Bankrate.Com
  • Facts you can use about the Equifax settlement

    In September 2017, Equifax announced a breach that exposed the personal data of approximately 147 million people. Last month, along with the Federal Trade Commission (FTC), and 48 states, the District of Columbia, and Puerto Rico, we announced a global settlement that will provide up to $425 million in monetary relief to consumers. Read More

    By:
    Consumer Finance Protection Bureau
    Read this in:
    Spanish / Español
  • Fair Credit Reporting Act

    The Fair Credit Reporting Act was passed to give guidance to credit reporting agencies about the way they handle your credit information. Read this to learn more on your rights. Content Detail

    By:
    Texas Legal Services Center
  • 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. Read More

    By:
    Legal Aid Services of Oklahoma, Inc.
    Read this in:
    Spanish / Español
  • How Do I Protect My Privacy?

    This short video will give you tips on protecting yourself from identity theft and financial fraud. All of the 'how to' information is included here, too! Read More

    By:
    Legal Aid Services of Oklahoma, Inc.
    Read this in:
    Spanish / Español
  • Identity Crisis .. What to Do if Your Identity is Stolen

    Advice on dealing with identity theft. Content Detail

    By:
    Federal Trade Commission
    Read this in:
    Spanish / Español
  • Know who can see your Credit Report and Why

    You may know that your credit records affect your ability to get an affordable loan, a job, an apartment, or many other essentials of daily life. But, do you know where and how to actually request your credit reports and what you can do once you order them? Read More

    By:
    Consumer Financial Protection Bureau
  • 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! Read More

    By:
    Consumer Finance Protection Bureau
  • Oklahoma Consumer Report Security Freeze Act

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

    By:
    Oklahoma State Courts Network
  • 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. Content Detail

    By:
    Oklahoma Disability Law Center
  • 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. Content Detail

    By:
    Federal Trade Commission
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