Access to Free Credit Reports

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every twelve (12) months.

You can obtain your free credit report by visiting or by calling (877) 322-8228.

Credit Counseling

If you’re having financial problems, a credit counseling agency can be a good place to get solid financial advice. Be sure you choose an agency you can trust. To find an accredited credit counseling agency in your area, contact:

  • Your credit card company – they can refer you to someone they’ve worked with before. 
  • National Foundation for Credit Counseling (NFCC) - (800) 388-2227.