Texas community resource
Credit Reports Legal Information Guide
Texas State Law Library
Public guide to Texas and federal credit-report law, access, disputes, reporting limits, freezes, and identity-related concerns.
Information last checked:
How to get help
Obtain the applicable reports through an authorized source, identify each disputed item, preserve supporting records, and follow the current dispute or complaint instructions supplied by the reporting agency, information furnisher, or regulator. Confirm legal deadlines before filing a court action.
Who this service helps
Open to the public for research; a person's rights, reporting period, dispute route, and available remedy depend on the information, reporting agency, furnisher, timing, and governing law.
Where this service is available
Service area: People researching credit-report rights and procedures in Texas, including residents of Central Texas.
A service area describes where help is offered or who may be served. It is not necessarily the organization’s physical location.
Cost / fees
The online guide is free to use; reports available by law may be free, while monitoring, records, certified mail, court filing, or legal-service costs may apply.
About this service
The guide organizes laws and self-help resources concerning consumer reports, obtaining and reviewing reports, correcting disputed information, security freezes, adverse information, and related complaint or court options.
Other resources that may help
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