The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. Annualcreditreport.com is the only authorized website that is a part of the official annual free credit report program. Most other websites that claim to provide “free” credit reports actually have strings attached and will begin charging you for reports if you do not cancel during the “free” period.
The Fair Credit Reporting Act.
The Fair Debt Collection Practices Act.
Truth in Lending Act.
Credit Counseling and Debtor Education Requirements
Individuals planning on filing for bankruptcy must complete credit counseling from an approved organization within six months before filing. Bankruptcy debtors must also complete a debtor education course to have their debts discharged. For the convenience of our clients, we have compiled a list of approved credit counseling and debtor education organizations that service California. In the list, we have included prices, languages offered, as well as other related information.