Have you ever wondered what determines good credit or bad credit? What are the facts and myths surrounding credit reports and credit history? What laws govern how credit is interpreted and reported? Who are the companies that record and report your information? What are your rights as a consumer, and how can you protect yourself the effects of bad credit?

This section of our website is intended to inform our clients about the basics of credit reporting and how the credit reporting system is designed. The topics listed in the navigation bar will help you better understand the full scope of credit reporting and the laws that govern it.