Tools & templates
Consumer resources
Tools, links, and templates to help you navigate the credit-reporting system, file effective disputes, and find assistance when you need it.
Quick Links
Free weekly credit reports from all three bureaus
FTC identity theft reporting and recovery plan
File complaints against bureaus and furnishers
Prevent tax-related identity theft
Check earnings, lock SSN for employment
Important Non-Profit Resources
These independent, non-profit organizations provide free or low-cost help to consumers dealing with identity theft and credit reporting problems.
Identity Theft Resource Center (ITRC)
A non-profit dedicated entirely to identity theft victims. Offers free one-on-one support from trained advisors, a toll-free helpline (888-400-5530), and step-by-step recovery guidance for any type of identity crime.
National Association of Consumer Advocates (NACA)
A nationwide network of attorneys and consumer advocates who represent individuals against corporations in consumer protection and FCRA cases. Use their directory to find a lawyer who takes cases on contingency.
National Consumer Law Center (NCLC)
The leading legal research and advocacy organization for low-income consumers. Their "For Consumers" portal offers free guides, self-help tools, and referrals on credit reporting, debt collection, and fair credit laws.
Need help with your case?
If you've disputed and the bureaus or furnishers still won't fix your report, you may have a legal claim under the FCRA.
Ask an FCRA Lawyer