Personal Finance: Credit & Debt

Credit Reports, Counseling and Management 

Annual Credit Report.com provides a free credit report once every 12 months from the only authorized online source for free credit reports under federal law.

What does your credit score even mean?  The Federal Reserve's Credit Reports and Credit Scores document offers a concise explanation of credit scores, reports, and errors.

The Federal Trade Commission has online content on Debt Collection Facts for Consumers.  These are commonly asked questions about consumer rights under the Fair Debt Collection Practices Act.

The website for the National Foundation for Credit Counseling connects consumers with local credit counseling services under a non-profit credit counseling network.  

The 360 Degrees of Financial Literacy site was created by the American Institute of Certified Public Accountants to help Americans understand their personal finances.

The National Consumer Law Center’s Student Loan Borrower Assistance Project is a resource for borrowers, their families, and advocates representing student loan borrowers.

The Consumer Financial Protection Bureau's site on Student Debt Stress is seeking information from the public about the student loan servicing practices that may make it harder to get ahead of your debt.

Access this website, the U.S. News and World Report, for information about the best credit cards for dad credit.  

For Android/iPhones - Mobile App

From Experian comes an app that provides your personal credit score, sends alerts, and lets you calculate what hurts and helps your score before you make that next big purchase. 

Book a Librarian

Mesa County Libraries offers appointment with Reference Librarians for help with business, genealogy, health, local history, computer, book, and author questions.  Book an individualized 30 minute appointment by filling out our Book a Librarian form.  

eBooks are electronic books. You can download eBooks through the library's website.  Visit our downloadable media page to learn more about the process.  You can read eBooks on a variety of devices - you can read them off the computer, on a tablet (like iPad), an iPhone, on a smartphone (with Android), and of course, on most eReaders.  Take books with you wherever you go!