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Credit Access

Legal Information

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This section of PALawHelp.org has information and resources about Credit Access issues in Pennsylvania.

  • Advantage Credit Counseling/Consumer Credit Counseling (Erie County)

    Information from the Erie County Bar Association on free credit counseling services in Erie County. Content Detail

    By:
    Erie County Bar Association
  • Consumer Action Handbook

    The General Services Administration (GSA) updates and publishes this valuable resource every year. In this handbook, the GSA's Office of Citizen Services brings you the latest information on your consumer rights and responsibilities. Content Detail

    By:
    U.S. General Services Adminiatration
  • Credit Card Facts

    Information for consumers on the use of credit cards from MidPenn Legal Services. Read More

    By:
    MidPenn Legal Services
    Read this in:
    Spanish / Español
  • Credit Cards and College Students

    General credit advice for students on credit card usage from the Pennsylvania Office of Attorney General. Content Detail

    By:
    Pennsylvania Office of Attorney General
  • Credit Cards - Consumer Guide

    This site--maintained by the Consumer Financial Protection Bureau, whose goal is to protect the credit rights of consumers--provides a basic guide to navigating the credit card process. Content Detail

    By:
    Consumer Financial Protection Bureau
  • Credit, Debit, and Charge Cards

    Credit card, charge card, or debit card? Each lets you pay for products and services. Each also has unique characteristics. And if you’re shopping for a credit card, it’s important to compare fees, interest rates, finance charges, and benefits. The Federal Trade Commission provides information on how to get what is best for your needs. Content Detail

    By:
    Federal Trade Commission
  • Credit Discrimination Pamphlet

    Information from Southwestern Pennsylvania Legal Services, Inc. on issues with relating to credit reporting agencies. Content Detail

    By:
    Southwestern Pennsylvania Legal Services, Inc.
  • Credit & Loans

    Consumer information from the Federal Trade Commission. Content Detail

    By:
    Federal Trade Commission
  • Credit Reporting Problems

    Information about credit reporting problems from the Erie County Bar Association. Content Detail

    By:
    Erie County Bar Association
  • Credit Scores

    Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. The Federal Trade Commission provides some information on the process and how you can protect yourself. Content Detail

    By:
    Federal Trade Commission
  • Disputing Errors on Credit Reports

    Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. The Federal Trade Commission provides information on your rights under the federal Fair Credit Reporting Act to ensure the information in that report is accurate. Content Detail

    By:
    Federal Trade Commission
  • Free Credit Reports

    The Fair Credit Reporting Act requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission provides information on how to obtain the reports and what to do with them. Content Detail

    By:
    Federal Trade Commission
  • Getting or Cosigning for Credit

    Information on obtaining credit from Pennsylvania Legal Aid Network, Inc. Read More

    By:
    Pennsylvania Legal Aid Network, Inc.
    Read this in:
    Spanish / Español
    Russian / Pусский
    Vietnamese / Tiếng Việt
  • Know Your Credit Rights

    Consumer information pamphlet from the Pennsylvania Bar Association. [PDF] Content Detail

    By:
    Pennsylvania Bar Association
  • Limited Income? Ideas for Stretching Your Dollars

    This packet from Northwestern Legal Services provides many ideas to northwestern PA residents on how to stretch your limited dollars, focusing on 8 areas of your life: Food, Clothing, Housing, Utilities, Money, Medical, Education, and Children. [PDF] Content Detail

    By:
    Northwestern Legal Services