Credit / Debt

Agencies & Organizations
- Consumer Financial Protection Bureau
- Federal Reserve Board
  Consumer guides on credit reports, scores, and notices you may receive from credit lenders.
- Federal Trade Commission
  Information about credit reports, credit cards & consumer loans, billing, debt, mortgages, and privacy.
- National Consumer Law Center
  Credit-related reports, policy analysis, litigation, and consumer information.
- WI Dept. of Financial Institutions
  - Includes information on collection practices, disputing a debt, cancellation rights, scams, and other credit related information.
Complaints
- Complaints Against Companies and Business Practices (Federal Trade Commission)
- Credit Complaint or Inquiry (WI Dept. of Financial Institutions)
  Accepts complaints from Wisconsin residents or complaints against companies located in Wisconsin.
- Credit Card Complaint (Consumer Financial Protection Bureau)
Consumer Credit (American Bar Association)
Guide to choosing credit, consumer protection, credit records and correcting mistakes, and debt collection.
Credit Reports
- AnnualCreditReport.com
  Request a free annual credit report online, by phone or by mail. Persons are entitled to one free credit file disclosure from each of the credit reporting companies (Equifax, Experian and TransUnion) ever 12 months.
- How Private is My Credit Report? (Privacy Rights Clearinghouse)
- Free Credit Reports (Federal Trade Commission)
Forms
- Sample Forms (Wisconsin Credit Association)
  Includes credit applications, bad check sample letter, letters of guaranty, promissory note, proof of claim.
Medical Bills
- Coping with Medical Bills & Debt (WI Dept. of Health Services)
- Medical Billing (WI Bureau of Consumer Protection)
Debts and Deceased Relatives (Federal Trade Commission)
Privacy
- Consumer Financial Privacy (FDIC)
- Gramm-Leach-Bliley Act (Federal Trade Commission)
- U.S. Code: 12 USC 3401-3422 "Right to Financial Privacy"
Time-Barred Debts (Federal Trade Commission)