Credit is an established part of American life.
It can be a valuable tool permitting you to purchase a home or a car, finance an education, or take advantage of special sales and offers. Unwise use of credit, however, will lead to financial problems. Knowing your legal rights and remedies is a first step to resolving those problems. Your credit report is an essential element for a sound fiscal future. Employers, insurance agencies, and future creditors use the report to obtain information about you.