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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 simple terms. 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 "Understanding the Law" resources on this page or speak to an attorney.

Texas Laws

Federal Law

Understanding the Law

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.

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.