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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. AnnualCreditReport.com is the official site to help consumers obtain the free annual copy. Make sure yours is correct. Don't forget about specialty reporting agencies, but those 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
  • 2010 Changes in Credit and Gift Cards

    In May 2009, the Credit CARD Act was passed to help protect consumers from abusive fees, penalties, interest rate increases Content Detail

    By:
    Federal Citizen Information Center
  • 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
  • Debt Strategies - All Debts are NOT the Same

    Setting priorities means making tough choices. BASICS first means shelter, food and clothing. If you have cut your budget down to just but the basics, but still can't afford to pay all your debts-which debts do you pay first? Read More

    By:
    Legal Aid Services of Oklahoma, Inc.
  • Definitions - A Credit Card Glossary

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

    By:
    Bankrate.Com
  • Emergency Farm Loans

    The USDA's Farm Service Agency (FSA) provides emergency loans to help producers recover from production and physical losses due to drought, flooding, other natural disasters, or quarantine. Content Detail

    By:
    U.S. Department of Agriculture
  • Equifax data breach involving consumer information

    No Evidence of Unauthorized Access to Core Consumer or Commercial Credit Reporting Databases. Company to Offer Free Identity Theft Protection and Credit File Monitoring to All U.S. Consumers Content Detail

    By:
    Equifax
  • 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
  • Foreclosure Rescue Scams - Read these tips!

    The Federal Trade Commission, the nation?s consumer protection agency, wants you to know how to avoid scams that could make your housing situation go from bad to worse. Content Detail

    By:
    Federal Trade Commission
    Read this in:
    Spanish / Español
  • 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
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