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Credit, Credit Reports

Legal Information

  • Annual Credit Report (Video)

    Anyone can dance a jig, but only AnnualCreditReport.com provides you with a truly free credit report. Its the only authorized source to get your free credit report under federal law. Read More

    By:
    Federal Trade Commission
  • Credit and your Consumer Rights

    A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal. Content Detail

    By:
    Federal Trade Commission
  • Credit Cards and Charge Accounts

    Lawline FAQ: A credit card is a convenience which lets the consumer buy goods and services without having to carry cash and checkbooks. This plastic card represents the legal agreement you have with a creditor such as a department store or bank. Content Detail

    By:
    South Carolina Bar Association
  • Right to Access Free Credit Reports

    Soon you’ll be able to get your credit report for free. A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies. Content Detail

    By:
    Federal Trade Commission
  • The Truth About Credit Reports and Credit Repair Companies

    The Truth About Credit Reports and Credit Repair Companies Content Detail

    By:
    National Consumer Law Center
  • Credit Basics

    Content Detail

    By:
    SC Department of Consumer Affairs
  • Credit - Sources of Credit

    Content Detail

    By:
    SC Department of Consumer Affairs