Credit Reports and Credit Cards

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.

Ask questions and get answers, in real time, right here on the Internet, from live law librarians throughout California.

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

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

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

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

You can request your credit report for free every year.

Alphabetical Listing of Resources

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

Introduction to the services offered by banks or credit unions.

These databases enable homeowner and automobile insurers to exchange information - without notice to you unless your state requires notice - about claims for loss of property.

The comprehensive guide to making purchases and dealing with companies.

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

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

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

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

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation"s credit reporting companies.

Requirements for your employer to see your credit report.

Employers must get permission before asking for a report.

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

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.

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

A guide to obtaining, understanding and managing your information

Recognizing, preventing, and dealing with fraud.

Actions you can take to correct your file and history.

Search for state and federal laws protecting consumers.

You have rights and responsibilities under the law.

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.