Improving Credit

 
How your Credit Score Impacts your Future

Learn how the credit scoring system works and how it impacts your financial health. 

 

Annual Credit Report

This central site allows you to request a free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. For more information on accessing credit reports, check out this consumer guide of various websites offering credit reports/scores.

 

Credit Card Offers with Free Access to Your Credit Score

The Consumer Financial Protection Bureau (CFPB) compiled a list of of several companies that told the CFPB they offer existing credit card customers free access to one of their credit scores. Until recently, consumers couldn’t easily access their credit scores and often had to pay to get them. But over the last few years, many credit card and other companies have begun to offer consumers free access to their credit scores. It's an important tool to help consumers manage their financial lives.

 

Updates on Credit Card Company Rules & Rates

Follow the latest rules for credit card companies, your rights, new practices; compare card rates and offers in this consumer site.

 

Weighing the New Credit Card Come-Ons: Wall Street Journal

Article on the marketing of new "professional card" offers that are designed to avoid new consumer protection law on credit cards.

 

Federal Trade Commission Fair Debt Collection Act Information

The Federal Trade Commission has posted information about what creditors can and cannot do. When you are contacted by creditors and collection agencies it is important to know what your rights are, and if those agencies are violating them.

 

American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a non-profit (501) (c)(3) organization, offering confidential consumer credit counseling services, debt management and financial education to consumers nationwide. Founded in 1991, ACCC is a leader in the credit counseling industry and has more than twenty years of national credit counseling experience.

 

CreditWise 

CreditWise (previously called Credit Tracker) is a new free tool provided by Capital One, but is available to anyone. This innovative tool provides individuals with a Transunion® credit score, a list of their accounts and balances and a credit simulator that shows the potential impact of financial decisions on their credit score.
This product is available in 3 platforms: Stand-alone app, Stand-alone website (also available in Spanish) and via the Capital One app for current customers.

For more information about CreditWise or to download the app, please visit: https://www.capitalone.com/credit-cards/benefits/creditwise/


Need help sorting out Credit Card offers? Not all Credit Card offers are equal, below are two great sites that can help

U.S. News Money Blog
Bank Rate
National Consumer Law Center "16 Guidelines for Prioritzing Debt" (PDF)

Designed to help you prioritize which debt is most urgent, and which can wait. When your debts outnumber your income, it is extremely important to prioritize which debts are most important and must be paid off first.

National Foundation for Credit Counseling

This website is a resource for various credit information and has an ability to find credit counselors all over the nation. Also check out the calculators to see how much home you can afford, how long it will take to pay off a credit card, and how much you need to save for purchases.

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