Additional Resources - Consumer Law
AnnualCreditReport.com - A one-stop website giving you access to each of the three (Equifax, TransUnion, and Experian) credit reports to which you are entitled once per year. Beware of other "free" credit report websites which may ask you for credit card information or require that you subscribe to credit monitoring programs. The three reporting agencies may offer additional services for a small price, but by law you are entitled to a copy of your credit report directly from them, for free, once every year.
Federal Trade Commission, "Your Rights: Credit Reporting" - Provides additional information about how to obtain a free annual credit report (as well as warning information about the "free" credit report websites referred to above), as well as additional information about the fair credit reporting act and identity theft.
- Federal Trade Commission: Consumer Information - "Practical information on a variety of consumer topics," including: Credit and Loans, ID Theft, and Shopping for Products and Services.
- Oregon Department of Justice: Consumer Fraud/Financial Protection - Has a great deal of general information about topics such as ID Theft and Debt Collection Agencies, as well as a consumer complaint form. Also has a "consumer hotline" at 503.229.5576.
- OPB "Think Out Loud" Program regarding Students and Credit Card Reform - Stream the episode, which originally aired Wednesday, May 27th 2009.
- National Do Not Call Registry - To protect yourself from telemarketers, register your phone number on their website or call 888.382.1222. This stops both telemarketing robocalls and telemarketing calls with a live caller.
Student Legal Services' Example Letters:
(Please note that none of the below materials are meant to constitute legal advice. Students who are confronted with legal problems, or who need specific advice are encouraged to consult with a licensed attorney, and/or contact Student Legal Services.)
Dispute of Debt/Debt Verification Letter - Use this letter verify a debt you with a creditor
Dispute of Inaccurate Information to Consumer Reporting Agencies Letter - Use this letter to dispute inaccurate information on your credit report
ID Theft Letter to Reporting Agencies - Use this letter to notify the credit reporting agencies if your ID has been stolen
Financial Literacy Materials: