Fair Credit Reporting Act: (FCRA) promotes the accuracy, fairness and privacy of consumer information contained in the files of Consumer Reporting Agencies 

Annualcreditreport.com: Obtain a free copy of your credit report every year (currently available weekly during the COVID-19 pandemic)

myFICO.com: Credit education and information on FICO scores

Consumer Financial Protection Bureau (CFPB): The central mission of the CFPB is to make markets for consumer financial products and services, work for Americans – whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products. The CFPB site allows you to file a complaint or simply find educational materials and advice on many topics such as how to get assistance with paying your mortgage.

Opt-out of solicitations: The FCRA provides the right to “Opt-Out”, which prevents Consumer Reporting Agencies from providing your credit information to companies that offer Firm Offers of Credit

Opt-out of LexisNexis: You may request to opt-out of having your personal information made available through certain LexisNexis products and services, in accordance with legal requirements or if permitted by LexisNexis policy: www.lexisnexis.com/privacy/for-consumers/

FCRA Bill of Rights : A summary of your rights under the Fair Credit Reporting Act.

NMLS ID # 2323293: Consumer access to verify a financial services provider: https://www.nmlsconsumeraccess.org/

Victims of Human Trafficking: – Are you or have you been a victim of human trafficking? Xactus can provide assistance to help remove identified adverse information.