What is a credit score?
What factors make up my credit score?
How can I improve my credit score?
This page outlines credit scoring: what it is, how it is used, and what to do to improve your score.
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Creditor and Debtor
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How can I get a copy of my credit report?
Do I have a right to know what's in my credit report?
Do I have to pay to get a copy of my credit report?
What can I do about errors on my credit report?
Can anyone else like my employer or landlord get a copy of my credit report?
How long does it take for truthful, negative information to get off of my credit report?
Where can I report violations of the fair credit reporting act?
This page contains answers to frequently asked questions about the right to obtain a credit report under the Fair Credit Reporting Act, and how to contact credit reporting agencies.
Should I pay someone to "repair" my credit?
How can I repair my own credit?
Shows how credit repair proposals for money are scams. Also, if you do decide to try one, what you should watch out for. If you have already tried one of these scams, what you can do about it.
Am I responsible for my spouse's bills?
What should I do about our joint accounts if I am thinking of a divorce?
The pro's and con's of individual and joint accounts in marriage as well as what happens to such accounts in divorce. Gives advice on what to do when you are contemplating or recently have gotten a divorce.
Can a hospital or collection agency sue me for medical bills even if I can't afford to pay?
What should I do if I've been sued for hospital or medical bills?
How do I respond to a complaint for hospital or medical bills?
How do I assert a Charity Care defense if I've been sued for hospital bills?
Explains what people should do if they have been sued for hospital-based medical bills. Describes the complaint, how to answer a complaint, other documents a person should prepare when served with a complaint for medical bills, and how to assert a Charity Care defense. Includes links to sample forms which may be helpful to people sued for medical bills.
What can a creditor legitimately ask me when I apply for credit?
Can a creditor evaluate my income differently if I work part-time or am living on public assistance?
Is there any difference between being single or married when I apply for credit?
Do I have to use my married name in credit applications?
This page outlines what a creditor can and cannot ask you about in reference to obtaining credit, and what a creditor may not consider when they are deciding whether or not to extend credit to you. Towards the bottom of the page, there is contact information for those who feel that they have been discriminated against.