A Little Credit

During the past few years, consumers have complained to the Federal Trade Commission about debt collection more than just about any other single topic. It’s no surprise, then, that when we asked legal services attorneys and non-profits across the country what issues resonate most with the people they see, credit and debt topped that list, too.

That’s why the FTC’s new resource, consumer.gov, devotes a section to issues related to credit and debt.  It is a great place to learn about building your credit history, and getting your credit reports and scores; using credit, including credit cards, loans, and interest rates; the risks of using more expensive credit options like payday loans and car title loans; and managing debt – from better budgeting to dealing with debt collectors.

consumer.gov screenshot

Getting, keeping, and using credit can be complicated, even for the most experienced people.  And from the complaints we’ve received, we know that dealing with debt collection can be very tricky. That’s why consumer.gov focuses on what you need to know, in a plain and simple style.  

You can read more about these topics and order free copies of materials. Each topic has a one-page article with the steps to take to deal with that issue. Order as many copies as you want, and we’ll ship them to you for free.

Blog Topics: 
Money & Credit

Comments

Hello,

I've requested a copy of my credit report several times but to no avail. I do have some credit issues to resolve but want to make sure that they are correct before sending any money or fix any problems (if there are some other than the ones I've already reported)if someone could contact me, I'd greatly appreciate it. I'm afraid that my credit report went somewhere else as I never received it. What troubles me the most is it was the first time I requested a copy of the report via the internet. I've already reported this and I still haven't received any information from the credit agency's.

Thank you!

Hi, Colleen, please be sure that you are using the official website to order your free annual credit report: www.annualcreditreport.com. If you complete the process on the site, you will get your credit report instantly.

the site consumer.gov doesn't appear to exist. Clicked on the link and "web page not available". Typed consumer.gov into the address bar and Google was unable to locate it.

You may have mistyped it or you may need to add the www to the beginning at www.consumer.gov

I just tried the site and it works.

Hello,

Thank you for your response. I'm very confused about this as well. I'd like to receive a copy of my credit report before addressing any issues but don't want to give personal information again as it didn't help the first time. I do find it strange that I have a confirmation number but there isn't a record of it?

I'll be contacting you more about this at a later time as I feel this needs to be taken care of asap.

Take Care~

Colleen

yes the same thing is happening to me brianicus, i dont know what to do!

The site seems to be working. Did you try clicking on the link (instead of typing in the URL): www.consumer.gov.

I am trying to clear/correct my CR report, pay out any outstanding debts. How can I do this by myself?

When debt collectors become too much to handle, you might want to consider bankruptcy. The debt itself can be discharged in the bankruptcy case, so the debtor cannot be made to pay the debt.

Bankruptcy Law is very complex, research and be informed before jumping to this decision.

RECENTLY, I TRIED TO CALL EXPERIAN AND I COULD NOT GET IN TOUCH WITH A LIVE PERSON, EVENTUALL THE PROMPTS GAVE ME A NUMBER, I CALLED AND THE SITE WAS IN INDIA THE AGENT DID NOT SPEAK ENGLISH WELL ENOUGH FOR ME TO UNDERSTAND. I TRIED TO CALL EXPERIAN AGAIN AND WAS GIVEN ANOTHER NUMBER WHICH WAS IN THE PHILLIPINES. THE AGENT COULD NOT PULL ME UP BY MY SSN. I JUST GAVE UP. THEY ARE NOT A USER FRIENDLY CREDIT COMPANY

Leave a Comment

Comment Policy

Read Our Privacy Act Statement

It is your choice whether to submit a comment. If you do, you must create a user name, or we will not post your comment. The Federal Trade Commission Act authorizes this information collection for purposes of managing online comments. Comments and user names are part of the Federal Trade Commission’s (FTC) public records system, and user names also are part of the FTC’s computer user records system. We may routinely use these records as described in the FTC’s Privacy Act system notices. For more information on how the FTC handles information that we collect, please read our privacy policy.