Credit and You

In today's economy, it's vital that a person establish and maintain a good credit history. Banks, insurance companies, employers, and landlords use your credit score to judge how you handle your financial responsibilities. An individual's credit score can affect future credit, interest rates, housing, and job opportunities.

This tutorial will show you how to access, monitor, and improve your credit rating. You will also find debt management and foreclosure resources.

UNDERSTANDING CREDIT

Credit and Your Consumer Rights presented by the Federal Trade Commission
Find out about your rights in applying for credit, obtaining your credit report, and your rights involving debt collections.

What's in Your FICO score presented by Fair Isaac Corporation
Learn about the 5 categories that affect your credit score.

BUILD BETTER CREDIT/IMPROVE YOUR CREDIT SCORE

Free Annual Credit Report -- Federal Trade Commission
Obtain your free credit report through the official website or by mail or phone.

Dispute errors in your credit report by contacting each of the following reporting agencies whose report contains the error.
Equifax
Experian
Transunion

How to Repair Your Credit and Improve Your Score presented by Fair Isaac Corporation

DEBT AND FORECLOSURE RESOURCES

Fiscal Fitness: Choosing a Credit Counselor presented by the Federal Trade Commission
This is important information if you are turning to a Credit Counselor to deal with your debt.

Debt Collection FAQs presented by the Federal Trade Commission
Learn about your rights concerning debt collection.

Save the Dream Ohio managed by the Ohio Housing Finance Agency
This is a federally funded initiative offered through the State of Ohio. The program provides assistance to homeowners seeking to avoid foreclosure. Find out what your options are if you are facing financial hardship and have missed a mortgage payment or if a foreclosure complaint has been filed against you.

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