Having a healthy credit history and respectable credit score is of high value in the U.S.,
especially if you are interested in obtaining credit cards, financing a car, buying a home and sometimes
even for finding employment.
We have gathered some reliable resources to help you learn about maintaining a good credit history, how
to obtain your credit report and what to do when you find errors in your credit report.
The U.S. has three major crediting bureaus - organizations that gather public record and consumer
credit information. Most of the information found on the reports from each of these bureaus are
similar, but because they pull their information from different sources, it is always best to check your
records with all three.
The Fair Credit Reporting Act (FCRA) requires each of these crediting bureaus to provide consumers with
a free copy of your credit report, at your request, once every 12 months. The U.S. Federal Trade
Commission recognizes http://www.annualcreditreport.com as the only source for obtaining a free credit
report from all three agencies and advises consumers to be wary of impostor sites that allegedly offer
the same service.
If you are experiencing financial difficulties, credit counseling can help you get back on track.
Foundation for Credit Counseling is a free, not-for-profit service that can put you in touch with
a professional credit counselor and financial education expert who can assist you in managing your