More Resources

Federal Statutes

Fair Debt Collection Practices Act

Telephone Consumer Protection Act
Statute:47 U.S.C. §227
Regulations: 47 CFR §64.1200

Fair Credit Reporting Act 15 U.S.C. §§ 1681-1681x

Obtaining your credit report for free:
You may obtain a free copy of your credit your every 12 months. We recommend that you complete the request form and mail it using a method by which you can confirm delivery. You should receive your report within a few weeks. is the only official website to obtain your report online. It was created by Equifax, Experian and TransUnion in compliance with 15 U.S.C. §1682j(a)(1)(A). We do not recommend obtaining your report online.

The following documents are only examples. They are posted for educational and informational use only.
They can be used as a starting point in the drafting process. They should never be used without
a thorough understanding of their content and the context in which they will be used.
Other examples can be found on our website at In the News and Appeals.
Suggested Self-Help:Disputing a Debt with a Debt Collector: The Initial Dispute Letter(PDF)
Suggested Self-Help:How to Dispute Inaccurate Information in a Credit Report(PDF)



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