Resources & Links

One-page guides

UW-Madison Division of Extension has developed six guides:

  1. How to check your free credit report (PDF)
  2. Reading a sample credit report  (PDF)
  3. What to do with your credit report and how to fix errors (PDF)
  4. What’s the difference between a credit report and a credit score? (PDF)
  5. Sample credit report dispute letter (PDF)
  6. Credit Report Freeze fact sheet (PDF)


The following websites offer more information about your credit report and related items:

The Annie E. Casey Foundation’sYouth and Credit: Protecting the Credit of Youth in Foster Care” guide. A 2013 guide intended primary for anyone who is responsible for mentoring, supporting or working with youth or young adults in foster care. The report is user-friendly and readable, so others may also find it valuable. The only truly free website for obtaining the free credit reports you are entitled to by law. Other websites may claim to offer free reports, scores, or monitoring, but these sites are unofficial and rarely if ever free. Unsolicited emails, pop-up ads, or phone calls offering free scores or reports are often scams.

The Consumer Financial Protection Bureau’s (CFPB’s) resources include

Disputing errors. Errors should be disputed by contacting the credit bureau that provided the report and/or the company or person that provided the incorrect information to the credit bureau. Disputes must be filed with the credit bureau that provided the report, not through The credit report should contain information about how to dispute errors, and more information specific to each bureau is available at

The Federal Reserve Consumer’s Guide to Credit Reports and Scores. The Federal Reserve’s Guide is designed in a Q+A format and answers common questions about credit reports and scores. The Guide can also be viewed and printed as a four-page PDF.

The Federal Trade Commission’s website on Credit and Loans. The FTC’s website offers in-depth information about credit reports and scores, including guidance on how to dispute errors and report fraudulent activity.

  • The FTC has another website about what to do if you believe you are the victim of identity theft or fraud. Credit reporting agencies are allowed to provide your contact information to companies that may pre-approve you for credit or insurance. These inquiries appear on your credit report but have no affect on your credit score. allows you to opt out of these offers and provides more information.

Where to get help. Borrowers who have fallen behind on their payments or experienced other difficulties should talk to their creditors as soon as possible. Resources available to consumers include:

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