Resources
Reference material to support the rest of the site
Look-up information for when you need to confirm a number, find an agency, learn a term, or get pointed at an attorney.
Different scoring modelsFICO 8, FICO 9, FICO 10/10T, VantageScore 3.0 and 4.0, and industry-specific scores compared, plus what actually affects your score.OpenStatute of limitations by stateHow long can you be sued for various types of debt? All 50 states plus DC, with notes on revival, tolling, and choice of law.OpenGlossaryPlain-language definitions of credit reporting and debt collection terminology, alphabetized for easy lookup.OpenOfficial government resourcesWhere to get free credit reports, file complaints with the CFPB or FTC, contact each credit bureau, and find legal help.OpenFind a consumer protection attorneyWhen you need legal help, how contingency and fee-shifting work, where to find good attorneys, and what to ask in a consultation.Open