Credit, Loans, and Debt

If there’s information on your credit report that’s correct but not so great, it can make it harder to get credit with good terms. But there are things you can do yourself for free to help fix your credit. Credit repair companies also charge to do the same things. Before you consider paying, though, know the rules these companies have to follow — rules dishonest companies and scammers often break.

Need better credit to do things like get a loan, buy a car, or rent an apartment? There are things you can do, but don’t believe a credit repair company that promises to remove accurate and up-to-date information.

Do you know someone who might need to brush up on their money management skills? Or learn to spot and avoid scams? Back-to-school season is a good time to get to work on learning. Whether you're a student, a parent, or just looking to sharpen your skills, you can learn how to protect your money and personal information. The FTC’s consumer.gov has free, reliable information in plain language to help you get started.