YOUR RIGHTS
The Fair Credit Reporting Act - As Amended 2003 (PDF File)
The Consumer Credit Protection Act (HTML)
State Consumer Protection Offices (HTML)
Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) (HTML)
Canadian Provincial Credit Reporting Act links (HTML)
OPT OUT OF MARKETING LISTS
In the US: To “opt out” of the selling of your information for marketing purposes by the Credit Bureaus: (1) go to www.optoutprescreen.com, (2) call 888.5OPTOUT (888.567.8688) , or (3) write each Credit Bureau using the Letter to Opt Out of Personal Information Release provided in the Sample Letter Index. To remove your name from mailing and telephone lists obtained from other sources, you may want to contact the Direct Marketing Association.
In Canada:To remove your name from mailing and telephone lists, contact the Canadian Marketing Association.
From Free Credit Fixesr:
DOWNLOAD Sample Letters (PDF Version)
Collection of Sample Letters for Credit Repair in one file.
PUBLICATIONS
From myFico.com:
Your Credit Scores (PDF File)
Developed jointly by Fair Isaac and Consumer Federation of America, this pamphlet provides a brief but complete overview of credit scoring, including factors that influence credit scores, where you can obtain your scores and tips on improving them.
Understanding Your FICO Score (PDF File)
This booklet provides a thorough description of credit scoring, including ways credit scoring can help you, the relationship between your credit report and your credit score, what a FICO® score considers, and interpreting your score.
From The Financial Consumer Agency of Canada:
Understanding Your Credit Report and Credit Score (PDF File | HTML version)
This publication provides key information on how to obtain and understand your credit report and score, as well as what to do if you find errors on your credit report.
Playing it Safe (PDF File)
How to Protect Your Credit Card and Credit History
From Equifax, Canada:
Sample Consumer Credit Report (PDF File)
Description of a Consumer Credit Report (PDF File)
Credit Report Request Form (PDF File)
Consumer Credit Report Update Form (PDF File)
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