Credit Practices / Credit Reports

National Consumer Law Center: The Truth about Credit Reports and Credit Repair Companies

National Consumer Law Center provides information about credit reports, how to use them to track credit history and find errors, and credit repair companies claiming to help repair credit. Read More.

North Carolina Department of Justice: Dispute Your Credit Report

The Consumer Protection Division of the North Carolina Department of Justice provides information about how to dispute your credit report if there are mistakes on your report. Read More.

LawHelpNC: Free Credit Report

Authored by Legal Aid of North Carolina. Legal Aid of North Carolina provides information about getting a free credit report and reviewing your credit score for an additional fee. Read More.

Stateside Legal: Fair Lending Protections

Discrimination in mortgage lending is prohibited by the federal Fair Housing Act.  The Fair Housing Act protects people based on race, color, national origin, religion, sex, familial status, or disability. Read More.

Stateside Legal: Interactive Form: Letter to Request Lower Credit Card Interest Rate

As a member of the Armed Forces, Reserves, National Guard or other uniformed services, you have some financial protections for you and your family when you are called into active duty military service. Read More.

Stateside Legal: Eligibility for Reduced Interest Rate on Loans under SCRA

The purpose of the Servicemembers Civil Relief Act (SCRA) is to provide protection to service members who have difficulty meeting their financial and legal obligations because of their military service. Read More.

North Carolina Department of Justice: Credit Card Disputes

The Consumer Protection Division of the North Carolina Department of Justice provides guidance on credit card disputes Read More.

North Carolina Department of Justice: Credit Repair Scams

The Consumer Protection Division of the North Carolina Department of Justice provides information about companies that offer to help repair your credit for a fee Read More.

North Carolina Department of Justice: Freeze Your Credit 

The Consumer Protection Division of the North Carolina Department of Justice provides information about placing a “security freeze” on your credit, Read More.

LawHelpNC: Companies that Promise to Repair my Credit

Authored by Legal Aid of North Carolina. Legal Aid of North Carolina provides information about companies that promise to repair credit sometimes called credit repair clinics or credit clinics and warning signs for consumers. Read More.

North Carolina Bar Association: This is the Law Pamphlet: Buying on Time

Provided by the Communications Committee of the North Carolina Bar Association

“This is the Law” Pamphlet seeks to explain creditor rights, security agreements, installment sales and loan contracts, and other credit issues. Read More.

LawHelpNC: Signing a Confession of Judgment

Authored by Legal Aid of North Carolina. Legal Aid of North Carolina provides information about signing a confession of judgment at the request of a creditor Read More.

Federal Trade Commission: Consumer Information on Money & Credit

The Federal Trade Commission provides information about saving, spending, or borrowing money. Read More.

 


Federal Trade Commission: Consumer Information on Privacy & Identity

The Federal Trade Commission provides information about protecting your information including your financial and online identity. Read More.