Credit Resources

Essential tools, official bureaus, government agencies, and trusted organizations to help you manage and improve your credit.

Credit Bureaus

The three major credit bureaus that maintain your credit reports.

Equifax →
One of the three major credit bureaus
Experian →
Credit reports and monitoring services
TransUnion →
Credit reporting and identity protection

Free Credit Reports

Get your free annual credit reports from official sources.

AnnualCreditReport.com →
Official site for free annual credit reports
Consumer Financial Protection Bureau →
Federal agency for consumer protection

Government Resources

Official government agencies that protect consumers and provide financial education.

Federal Trade Commission (FTC) →
Consumer protection and identity theft resources
IdentityTheft.gov →
Report and recover from identity theft
MyMoney.gov →
Government financial literacy resources
CFPB Submit a Complaint →
File complaints about financial products

Financial Education

Non-profit organizations dedicated to financial literacy and credit counseling.

National Foundation for Credit Counseling →
Free credit counseling and debt management
Jump$tart Coalition →
Financial literacy for students
National Endowment for Financial Education →
Independent financial education resources

Credit Scoring Resources

Learn about credit scoring models and how they work.

myFICO →
Official FICO score information and education
VantageScore →
Alternative credit scoring model

Need Help?

If you're struggling with credit issues, debt, or financial decisions, consider reaching out to a certified credit counselor through the National Foundation for Credit Counseling. They offer free or low-cost counseling services and can help you create a personalized plan.

Remember: Legitimate credit counseling agencies will never ask for payment upfront or promise to "fix" your credit overnight.