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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.
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.
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.
Information on what to do if you find an error on your credit report.
Find information on how to rebuild your credit.
Where to go to get your credit report and FICO score.
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.
Below are some print books that may provide further guidance. If you can't visit the Texas State Law Library in Austin, these books might be available at a law library near you or a public library near you.