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Knowledge is Power
Download free guides and articles to understand your rights under the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and more — empowering you to make informed decisions about your credit.
The instructor companion to the FDIC/SBA Business Credit module — a deeper, step-by-step walkthrough of business credit concepts, credit report review, and the dispute process, useful for business owners who want the full curriculum detail.
DownloadFrom the FDIC and SBA's joint Money Smart for Small Business curriculum. Understand how personal credit affects a small business, learn how to establish, build, and maintain business credit, review your business credit reports, and dispute errors in them.
DownloadFrom the FDIC and SBA's Money Smart for Small Business curriculum. Learn about funding options for your small business, what lenders evaluate when you apply, and the requirements and terms involved in securing business financing.
DownloadThe CFPB's official plain-language summary of your FCRA rights — what credit bureaus can and can't do, and how to dispute errors.
DownloadThe complete statutory text of the FCRA (15 U.S.C. § 1681 et seq.), prepared by the Federal Trade Commission.
DownloadThe complete text of the FDCPA (15 U.S.C. § 1692 et seq.), the federal law governing how debt collectors may contact you.
DownloadThe FTC's consumer-friendly FAQ on debt collection practices, including how to dispute a debt and stop harassment.
DownloadThe FTC's step-by-step guide to recovering from identity theft, including how to report it and repair your credit.
DownloadAn FTC checklist of the immediate actions to take if you suspect identity theft, with links to IdentityTheft.gov.
DownloadA CFPB guide explaining how credit scores work, what factors influence them, and how to improve yours over time.
DownloadA CFPB booklet covering the fundamentals of building and maintaining strong credit from the ground up.
DownloadA CFPB worksheet to help you read through each of your three credit reports and flag inaccuracies for dispute.
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