Credit Reports/Scores

Consumer Reporting Agencies (CRAs) maintain a report, or file, of your credit
payment history. If you have ever applied for a credit or charge account, a personal
loan, insurance, or a job, you have a credit report on file. Your credit report contains information about your income, debts, and credit payment history. It also indicates
if you have been sued or have filed for bankruptcy. It is important to maintain a good
credit history in order to have good credit and be successful borrowing money and
buying a home.

Your Access to Free Credit Reports – FTC
http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm

Credit Reports – FTC
http://www.ftc.gov/bcp/menus/consumer/credit/debt.shtm

Credit Scoring – FTC
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre24.shtm

Your Credit Report – FRBSF
http://www.frbsf.org/publications/consumer/creditreport.html

Credit Reports – MD Attorney General
http://www.oag.state.md.us/consumer/edge121.htm

Privacy and your Credit Report – Consumer Action
http://www.consumer-action.org/english/articles/privacy_and_your_credit_report_english

Credit Report Q&A – Consumer Action
http://www.consumer-action.org/english/articles/questions_amp_answers_about_privacy_amp_your_credit_report

Fair Credit Reporting Act – FTC
http://ftc.gov/bcp/menus/consumer/credit/rights.shtm

FCRA Summary – FTC
http://ftc.gov/bcp/conline/pubs/credit/fcrasummary.pdf