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Best of the Web: Government & Law » New York Consumer Law Resources » Credit, Credit Reporting & Debt Collection

  • This site helps you request a free, annual credit report from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
  • The Privacy Rights Clearinghouse provides sample letters: a short letter and a version that you can customize for your particular needs after you download it to your computer.
  • Complete text of the Fair Credit Reporting Act provided by the staff of the Federal Trade Commission.
  • Convenient question and answer format covers many useful subjects about debt collection, including how to report unfair practices or violation of law by debt collectors.
  • The Act specifies who a debt collector is and how they may acquire information. It also delimits the kinds of activities that constitute harassment or are abusive.
  • Information about identity theft from the Federal Trade Commission. Includes what to do if you suspect you have been a victim of identity theft.
  • This is the Federal Trade Commissions Website for information about identity theft. It includes steps to take, ways to place fraud alerts, and more. Additional useful links include access to federal and state laws [New York is NOT included], cases and scams.

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