Personal Rights
Understand the rights that protect you in everyday life, from privacy and personal safety to interactions with businesses, institutions, and government.
How to Freeze and Unfreeze Your Credit for Free
Learn how to freeze all three credit reports for free, temporarily lift a freeze for an application, protect a child’s credit, and avoid paid services.
What to Do When a Debt Collector Contacts You About a Debt You Do Not Recognize
Learn how to verify an unfamiliar debt, request validation, dispute it in writing, check your credit reports, and respond to collection scams.
How to Dispute an Error on Your Credit Report
Learn how to identify and dispute credit report errors, document your claim, contact credit bureaus and furnishers, and follow up on the results.