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Credit Reports

A legal research guide on the state and federal laws for credit reports.

Research from Home

If you have a library account in good standing, you can check out an OverDrive eBook title or access our remote databases. Don't have a library account? Texas residents can register for a library account from home! Learn more about how to register from home.

Below are some eBook titles that may help you with your research on credit reports.

Resources at the State Law Library

Below are some of the library resources that can provide further guidance on this topic. The Texas State Law Library has many other resources in addition to the highlights we present below. Please call us at (512) 463-1722 if you have any questions about these materials.

Credit Reports

This guide was created to provide information about credit reporting. The Pro Se Resources tab lists relevant laws, links to websites that discuss credit reports in "plain English," information on fixing credit report errors, information on credit repair, and how to get your personal credit information. The Practice Aids tab provides a list of State Law Library resources that may be useful to practitioners working with people working with credit issues.

State and Federal Laws on Credit Reports

Below you will find references to areas of Texas and federal law that govern credit reporting. If you find these statutes difficult to understand, you may want to look at the "plain English" resources on this page or speak to an attorney.

Explained in "Plain English"

Because Texas and federal law may not be easy to understand, below you'll find a collection of resources that help to explain the law in "plain English."

Credit Report Errors

Information on what to do if you find an error on your credit report.

Credit Repair

Find information on how to rebuild your credit.

Your Personal Credit Information

Where to go to get your credit report and FICO score.

Legal Research Guides from the Texas State Law Library

The Texas State Law Library reference librarians have compiled legal research guides for specific areas of the law. These guides contain resources that can help you research a legal issue. The American Association of Law Libraries has a guide for Non-Lawyers on How to Research a Legal Problem [PDF]. If you have any questions, please contact us at (512) 463-1722 or at


The information provided on this page has been prepared for general information purposes only and should not be construed as, nor substituted for, legal advice. It is strongly recommended that you contact an attorney for advice specific to your fact situation. Your local bar association or the State Bar of Texas Lawyer Referral Information Service (1-800-252-9690) can assist you with locating an attorney.

Some of the electronic resources we refer to in this guide may be in PDF format. Adobe Reader or similar software is required to view PDFs.

Ask a Librarian

If you need help with a reference question, you may ask a librarian...

  (844) 829-2843 (toll-free) or (512) 463-1722
  Visit us at 205 W. 14th St in Austin
 PO Box 12367, Austin TX, 78711-2367