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Credit Reports

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

General Information


About This Guide

This guide was created to provide information about credit reporting. Here you will find relevant Texas and federal laws and links to websites that provide information about credit reports in "plain English". This includes information on fixing credit report errors, credit repair, and locating your personal credit information. The Practice Aids page provides a list of library resources that may be useful to practitioners working with people with credit issues.

Texas and Federal Law

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.

E-Books from the Texas State Law Library

Many of the e-books available through the State Law Library contain forms or drafting guides. Below are some e-book titles that may help you with your research on credit reports.