Credit Reports and Credit Cards

Many local laws and courts have been affected by COVID-19. Please use the search for legal help tool to find a legal aid organization or self help center near you for accurate information and more support.

Most Frequently Viewed Resources

If you cannot afford the filing fee or other court costs, you may qualify to have these fees and costs waived by the court.

Read about where to file your lawsuit or case. Information on jurisdiction and venue.

This section will give you general guidelines for how to best prepare yourself for court.

Most reputable credit counselors are non-profit and offer services at local offices, online, or on the phone.

Whatever the reason, you have the right to represent yourself, to be your own lawyer in all cases in California.

Introduction to the services offered by banks or credit unions.

Asset Management, Bank Accounts, Consumer Loans, Credit Scores, Credit Cards, Insurance, Mortgages, and Regulations.

State offices, district attorneys (DA), and government regulators.

Two federal laws " the Mail, Internet or Telephone Order Merchandise Rule and the Fair Credit Billing Act " offer protections and procedures so you don"t have to pay for merchandise you ordered but never got.

It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).

Employers must get permission before asking for a report.

A guide to obtaining, understanding and managing your information

A freeze generally stops all access to your credit report, while a fraud alert permits creditors to get your report as long as they take steps to verify your identity.

Your home; adjusters and contractors; when picking a contractor; when you get your settlement; creditors, bills and budgeting; and watch out for fraud.

The Constitution; Executive and Administrative Laws; County, Appellate, Supreme Court, and Federal Districts; State Legislation; and Legal Guides.

Your employer can't ask for some types of records.

Recognizing, preventing, and dealing with fraud.

The Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

You have the right to see what is collected about you and to dispute inaccurate information.

You can ask for an investigation "at no charge to you " of information in your file that you dispute as inaccurate or incomplete

Requirements for your employer to see your credit report.

Have you received a letter informing you that your personal information may have gotten into the wrong hands?

You have rights and responsibilities under the law.

Alphabetical Listing of Resources

The comprehensive guide to making purchases and dealing with companies.

You can request your credit report for free every year.

Up to 99% of domestic violence victims experience economic abuse during an abusive relationship, and finances are often cited as the biggest barrier to leaving an abusive relationship. This resource describes what economic abuse is and what to do about it.

Actions you can take to correct your file and history.