Credit Reports

• ASI Credit Reports - Obtain your own Trans Union credit report shipped via postal service.
• ChexSystems - Obtain disclosure of your check authorization file from this national system.
• Confidential Credit - Purchase your personal credit report from all three bureaus merged into one.
• Consumer Info - Credit report monitoring service.
• Consumers Now Have New Power to Fix Credit Reports - 1997 article full of tips for consumers, from the Better Business Bureau.
• Credit411 - Get your personal credit report from all three national repositories.
• CreditDiscovery - Solutions include pre-employment and tenant credit screening.
• Equifax - Purchase a copy of your own credit report from this national repository.
• Evergreen Credit Reporting, Inc - Allows consumers to purchase a copy of their own personal credit report.
• Experian - Purchase a copy of your own credit report from this national repository.
• Financial Insider Network - Provides personal credit reports for members.
• The 7 Guaranteed Rights You Have as a Debtor - What your rights are regarding incorrect or disputed information in credit reports.
• How to Dispute Credit Report Errors - Provides easy form for disputing inaccurate credit bureau information.
• Negative Credit Can Squeeze a Job Search - How employers sometimes use bad credit reports to avoid hiring someone.
• Online Credit Info - Receive a free credit report online with credit report monitoring service sign-up.
• Online Credit Reporting - Sells three bureau merged credit reports directly to consumers.
• PrivacyGuard - Provides members unlimited access to their credit report and personal records.
• Privista - Offers online credit monitoring services.
• Trans Union - Purchase a copy of your own credit report from this national repository.
• TrueCredit - Offers a single or merged credit report in English or Spanish.
• WorthKnowing.com - Provides credit report services and recommendations for improving credit scores.

Laws and Regulations

• Consumer Handbook to Credit Protection Laws - Federal Reserve's guide to consumer credit laws.
• The Consumer Law Page - Consumer law links provided by The Alexander Law Firm.
• Consumer Leasing Act - Full searchable text provided by Cornell Legal Information Institute.
• Credit Repair Organizations Act - Full text of the law regulating credit repair organizations.
• Electronic Fund Transfer Act - Full searchable text provided by Cornell Legal Information Institute.
• Equal Credit Opportunity - How the Equal Credit Opportunity Act (ECOA) protects consumers.
• Equal Credit Opportunity Act - Full searchable text provided by Cornell Legal Information Institute.
• Fair Credit Billing Act - FTC summary of the law governing "open end" credit accounts.
• Fair Credit Reporting - How the Fair Credit Reporting Act (FCRA) protects consumers.
• Fair Credit Reporting Act - FTC Educational material and staff opinions on the FCRA.
• Fair Credit Reporting Act - The complete text (as of 07/1999) of the law governing credit reporting.
• The Fair Credit Reporting Act Amendment - Discusses the 1997 amendments and has links to more information about the Act.
• Fair Debt Collection Practices Act - FTC Educational material and staff opinions on the FDCPA.
• Fair Debt Collection Practices Act - Full text of the law governing third party collection of debts.
• Federal Trade Commission - Primary government agency that enforces credit laws.
• FTC OPT-OUT Information - Explains consumer choices regarding the sharing of personal information.
• Home Ownership and Equity Protection Act - Full text provided by Cornell Legal Information Institute.
• Identity Theft and Assumption Deterrence Act - Full text of the identity theft law.
• Legal Information Institute - An overview of consumer credit law with links to additional sources.

Debit and Credit Cards

• ABC Guides - Credit card rate comparisons by interest, annual fee, and benefits.
• Access Credit Cards - Features recommendations and listings of various offers along with an interactive guide.
• All Credit Cards Online - Offers articles and reviews of the lowest rates and fees, and the best rewards.
• Ask Mr. Credit Cards - Information about consumer credit card concepts such as types of credit cards, understanding credit reports and more.
• ATM Debit Cards - Public Interest Research Groups article on problems with debit cards.
• Automatic Debit Scams - How to avoid unauthorized debits from checking accounts, advice from the Federal Trade Commission.
• Avoiding Credit and Charge Card Fraud - FTC advice on how to protect yourself from fraud.
• Bankrate.com - Provides credit card rates, comparisons, rewards, tips and advice.
• CardRatings.org - Consumer credit organization whose primary focus is rating credit cards and educating consumers.
• CardTechnology.com - Examines issues and developments in smart cards and other advanced credit card technologies in banking, transportation, government, and university settings.
• CardWeb.com - Research firm whose primary focus is providing credit card industry information. Read about the latest news, rate, offers, and commentary.
• Consumer Guide: 12 Credit Card Secrets - "12 Credit Card Secrets Banks Don't Want You to Know" contains important advice to help consumers protect themselves. Although the State of Massachusetts created this site, the tips here apply to any U.S. citizen.
• Credit and ATM Cards What To Do If They're Lost or Stolen - How to limit your financial loss, how to protect your cards, whether to buy a registration service, how to file a complaint.
• Credit Card Analyzer - Calculator compares interest payments on simulated balance transfers.
• 4 Credit Card Applications - Reviews and applications for unsecured, secured, student and low interest rate credit cards.
• Credit Card Blocking - 1997 article from FTC about what blocking is, when it is used, and how to avoid it.
• Credit Card Direct - Offers credit cards guide with comparisons, applications, calculators, news and financial management tips.
• Credit Card Goodies - Provides grapevine news and information on cards offering rewards program.
• Credit Card Loss Protection Offers: They're the Real Steal - FTC article alerting consumers on loss protection insurance scams.
• Credit Card Menu - Allows visitors to choose the card that best matches their requirements by providing a search tool, an interactive financial calculator and answers to the most frequently asked questions about credit cards.
• Credit InfoCenter - Offers information on credit cards, billing errors, overcharges, tips and advice.
• Credit Repair Fraud Proliferates - 1996 article from the Better Business Bureau that offers tips for consumers to avoid credit card fraud.
• Credit Source Online - Comparisons of different credit cards by type, interest rates, and annual fees.
• Debit Cards Still Confusing to Many Consumers - 1999 article from the Better Business Bureau that discusses different kinds of debit card services.
• FinanCenter.com - Provides credit card comparison charts to find the best rates, features and services based on your priorities.
• Free Credit Card Analyzer - Provides free analysis of payoff time and total interest paid.
• Gold and Platinum Cards - 1996 article from FTC that warns about hidden charges and fees.
• Guide to Low Interest Credit Cards - This site researches and links to credit card offers with low interest APRs. There is also an interactive calculator to help you determine how much money you can save each month through a balance transfer to one of these offers.
• How Stuff Works - Explains the technology of credit cards and the different types of cards and plans available to consumers.
• MasterCard - Money Management - Offers tips for students on how to manage credit for college fund.
• More Ways To Shop Smart - Consumer advice from MasterCard when using credit cards to shop online.
• Protect Yourself if Your Credit Card Account is Sold - You may be in for the shock of higher rates, fees and stricter rules. Here's what you can do. By Ginger Applegarth
• Ready, Set... Credit - Information to help consumers determine whether they're ready for plastic, and what to look for when selecting an issuer.
• Secured Credit Card Marketing Scams - Covers the deceptive advertising claims some marketers use to entice consumers with subprime histories.
• TruthAboutCredit.org - Offering advice on credit cards. Coverage includes rip-offs, hazards, traps and navigating offers.
• Understand Credit and Debit - Geared towards MasterCard holders, but also has credit card rights information applicable to anyone.
• VerifyFraud.com - Features discussion groups, articles and resources relating to consumer credit card fraud.

Other Credit Links

• cardratings.com
• eyeoncredit.com
• Air Travel Card
• American Airlines AAdvantage Card
• American Express
• Associates National Bank (Delaware)
• BankRate's
• Bell Atlantic Visa
• BestDeals
• Brittain Associates
• Card Rates
• CardTrack
• Charge Card Search
• Chevy Chase Bank Cash Reward
• CitiBank Driver's Edge
• Consumer Card Info
• Consumer Group's Credit Card information
• Consumer World's Money Page which includes links to lots of Credit Card Sites
• Credit Card Analyzer
• Credit Card Mall
• Credit Champion
• CreditIndependence.com
• Credit Net
• Credit Report
• Deals and Steals
• Delta Sky Miles
• Diner's Club
• Direct Financing
• Discover Card
• Discover Card Private Issue
• Egghead Software.
• Eye On Credit
• Farm Bureau Bank
• First USA
• Fleet
• freecreditcardanalyzer.com
• GE Rewards MasterCard
• GetSmart
• GM Card
• Airline Miles & Credit Cards
• Good Rebates Categorized by type.
• LonasYourWay - get a great deal on a mortgage loan click here
• Marriott First Card
• MasterCard
• Money Magazine's Credit Card Rates page.
• Northwest Airlinsa
• Phillips 66 / Phillips 66 College (gasoline)
• Providian
• Pulaski Bank
• Ram Research - a better report, ranking by type of card
• SeaFirst Bank REI Gold MasterCard
• The Shell MasterCard from Chase.
• SmartFlier
• SmartFlyer
• StudentMarket.Com
• TWA
• Toys R Us VISA card
• True Value (home improvement center)
• United Airlines Card
• Unocal
• US Air NationsBank Visa
• Visa
• Yahoo!

More Credit Links

• Choosing and Using Credit Cards  - Detailed discussion of credit card terms and other costs and features.
• AAA Credit Services - Offers a manual on how to deal with creditors, wipe debt, and how to plan and save.
• AllAboutCredit.net - Provides general information about credit-related issues.
• American Collectors Association - International trade organization of third-party debt collection businesses.
• Anything4Credit.com - Information on credit matters and personal credit assessments.
• Associated Credit Bureaus Inc - Trade organization of consumer credit reporting agencies.
• Building A Better Credit Record - A thorough discussion of credit, credit repair, credit reports and how to avoid getting scammed.
• Buying on Credit, Can You Afford It? - Brief article about what credit costs.
• Credit and Divorce - Issues regarding credit when divorcing.
• Credit and Your Consumer Rights - About credit reports, applications, billing, electronic transfers, debt and debt collection.
• Credit Creep - Financial information on credit, budgeting and investing.
• Credit In A Nutshell - Offers free information and educational resources on credit related topics.
• Credit Info Center - Financial information on credit, credit reports, mortgages and loans.
• Credit Provider - Designed for consumers to re-establish their credit and increase their buying power.
• The Credit Report Site - Comprehensive free credit information for consumers and businesses.
• Credit Rules Bookmark - Simple rules about your obligations in using credit, from the FTC.
• The Credit Scoring Site - Resource regarding credit score industry trends, laws and regulations.
• Credit Sharpie - Offers information on how-to improve a credit score and negotiate with creditors.
• Credit.com - Online financial information and resource center.
• CreditIQ.com - Answers and information on credit-related issues.
• A CreditLibrary.com - Provides basic information, tips, and news on credit-related issues.
• CreditStore - Offers consumers an opportunity to resolve their debts and rebuild a stronger credit record.
• Developing Good Credit - Provides educational articles on how to develop credit.
• Epinions: Credit and Debit - Consumer-generated reviews, buying tips and advice, ratings, price information, and searchable in a variety of ways from price to product type.
• Express Finance UK - Licensed credit broker for people with an adverse credit history in Great Britain.
• Fair, Isaac and Company - Largest provider of consumer credit scoring models used in credit approval.
• Federal Trade Commission - Credit - Features an assortment of helpful articles related to credit issues.
• FinanCenter Inc. - Offers interactive decision-making tools for personal finance.
• Free Credit Analyzer - Analyze your credit situation here for free.
• Getting Credit When You're Over 62 - What they can and cannot do in denying credit to senior citizens.
• Getting Purse-onal - FTC gives advice on how to protect your credit when your purse or wallet is stolen.
• Guide to Online Payments - How to shop and make payments safely online. From the FTC and AOL.
• How Lenders Use Your Credit Score - Credit scoring factors in your income and education as well as your credit history. You may never know your score, but you should know if you’re seen as a risk. By Mary Rowland
• My Credit Check - Answers to common questions about debt, credit, and credit reports.
• My Credit File - Offers information regarding credit reports, credit scoring and credit bureaus.
• MyFICO - Offers access to FICO credit scores.
• Payne Enterprises - Offers free information on consumer credit related issues.