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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.

  • 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
  • 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 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.
  • 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
  • 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
  • Your Equal Credit Opportunity Rights

    Information from the Federal Trade Commission on the Equal Credit Opportunity Act, which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Content Detail

    By:
    Federal Trade Commission
  • 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 & Loans

    Consumer information from the Federal Trade Commission. Content Detail

    By:
    Federal Trade Commission
  • 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
  • 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
  • What protections do I have against credit discrimination?

    Credit discrimination prevents people from having access to attending college, opening businesses, and buying homes; and it can make credit more expensive. This article from the Consumer Financial Protection Bureau provides some basic information about your protections against credit discrimination. Content Detail

    By:
    Consumer Financial Protection Bureau
  • Loans & Credit - Know Your Options Before You Sign.

    Informational brochure on different types of loans and credit arrangements that are available so that you can make the right choice when entering into an agreement. [PDF] Content Detail

    By:
    Pennsylvania Office of Attorney General
  • Summary of Your Rights Under the Fair Credit Reporting Act [PDF]

    Information from the Federal Trade Commission on your rights under the Fair Credit Reporting Act. Content Detail

    By:
    Federal Trade Commission