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.
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.
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.
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!
Identity Crisis .. What to Do if Your Identity is Stolen
Advice on dealing with identity theft.
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.
Security Freeze in Oklahoma
How to place a security freeze on your credit report to prevent credit, loans, and services from being approved in your name without your consent.
The Importance of the Police Report
This memo is written to Law Enforcement Officers explaining the importance of a police report to help a victim of identity theft recover. Online forms may be found at http://www.ftc.gov/idtheft.
True Cost of Paying the Minimum
Is your money being sucked into a compound interest sinkhole? If you're not paying off your credit cards every month, that's just what can happen. It depends on the interest rate charged by the credit card company and whether you pay as much as you can, or just the minimum amount due.
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.
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.
Identity Crisis .. What to Do if Your Identity is Stolen
Advice on dealing with identity theft.
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.
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.
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.
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!
