Consumer Credit

 Equifax, one of the companies that provides credit scores, said that the personal information of 143 million people may have been accessed by hackers, including names, Social Security numbers, some credit card numbers, and personal documents. Equifax set up a site,, for people to check if their information was compromised. Users have pointed out the arbitration clause on the company's terms of service page, which means that people who use the site waive their rights to a class-action lawsuit. You can opt out of the forced arbitration clause by mailing a letter stating "I do not wish to resolve disputes with Equifax through arbitration" along with your information, to Equifax.  Click here for a sample opt-out letter. 


Do you have a complaint about a debt adjuster organization? File a complaint with the Nevada Division of Financial Institutions.

The Money Matters site maintained by the Federal Trade Commission offers short, practical tips and links to helpful resources on credit repair and credit reports, debt collection, job hunting and work-at-home scams.

The Consumer Financial Protection Bureau also has helpful information about college loans and mortgages.

You can received a Free Credit Report from these agencies:
Annual Credit Report
Federal Trade Commission

Credit Reports and Scoring and Debt Information
Federal Trade Commission

The following websites may provide additional information or assistance regarding consumer law:

American Bankruptcy Institute (ABI) Consumer Information Center

Better Business Bureau

Consumer Law Page (Alexander Law Firm)

Fair Debt Collection (FTC)