All 50 states
Free credit help near you
Free and low-cost places to get help with credit reports, debt and identity theft, wherever you live. You don't need to pay anyone to fix errors.
| For | Where | What it is |
|---|---|---|
| Free credit reports | annualcreditreport.com | The only official free site. Weekly reports from all three bureaus. |
| Complaints about credit reports or collectors | CFPB | Federal agency; companies must respond. |
| Your state's consumer protection office | Find your attorney general | Every state has one. They take complaints about collectors and scams. |
| Identity theft | IdentityTheft.gov | Report and recovery plan. |
| Nonprofit credit counseling and budgeting | NFCC | Find a nonprofit counselor near you. |
| Free legal help (lawsuits, debt collection cases) | LawHelp.org | Find legal aid in your state. |
| Scams | ReportFraud.ftc.gov | Report credit repair and debt scams. |
In California? The DFPI licenses debt collectors and takes complaints. Links checked November 2026. We are not connected to these organizations.
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