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	Consumer Issues > Credit Access


	Know your rights, where to get help and ways to help yourself

There are 9 resources

General Information

Consumer Credit in Colorado (Separate Website)
A Colorado law which regulates how much you can be charged for credit, restricts what can happen to you if you pay late and defines what information must be provided to you before you commit to any credit transaction. The law is the Uniform Consumer Credit Code and this resource highlights that law.
By: Department of Law, State of Colorado

Obtain your Free Credit Report
A new federal law provides for access to free reports for individuals in all states through annualcreditreport.com. You can obtain your credit report three times annually once from each of the 3 major credit bureaus.
By: annualcreditreport.com
Other Formats:

Separate Website

Credit File Security Freeze This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

Any US Citizen can put a security freeze on their credit reports. A freeze means your file can't be shared with potential creditors which can help prevent identity theft. If your files are frozen, even someone who has your name and Social Security number will not be able to get credit in your name.
By: Office of Denver District Attorney and CASE Partnership
Read this in: Russian / Pусский , Spanish / Español

Protect Yourself as a Consumer (Separate Website)
Consumer information on topics such as abusive lending, credit issues, privacy, seniors' issues and much more.
By: Federal Trade Commission

Filing Consumer Complaints (Separate Website)
A list of website links to help you locate useful information and to show you how to file a complaint. Click 'Consumer Complaint' under "Quick Find" in right hand column.
By: Federal Trade Commission

Appropriate Dispute Resolution (Separate Website)
This information will help you learn about the many options you have when you are involved in a dispute.
By: Colorado Bar Association

Credit vs. Debit: Which should you use? This link opens a PDF file in a new window. If you do not have an accessible Acrobat Reader, a link is provided at the bottom of this page.

(Separate Website)
Credit cards and debit cards allow you to pay for things using two very different financial tools, learn more about functions of both.
By: National Consumer Law Center

Office of Dispute Resolution (Separate Website)
If you have a legal dispute, the Office of Dispute Resolution (ODR) may be able to help. This link will take you to their homepage. The ODR exists to establish and make available dispute resolution programs and services within the Colorado Judicial Branch.
By: Colorado Judicial Branch

Talk with a Lawyer on Law Line 9
An advice line providing brief direction on legal problems.
By: Channel 9 News in Denver, Colorado


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