The Credit and Financial Resources You Should Know About.
Use this resource center to access official credit-report tools, consumer complaint resources, specialty reporting agencies, credit-building tools, business banking and financing resources, and federal consumer-credit laws.
One Place for the Links You May Need During Your Credit Journey.
These resources can help you review reports, submit complaints, request specialty consumer files, research your rights, and explore business-credit and funding options.
Go Directly to the Resource You Need.
Personal Credit Cards
Explore personal revolving-credit resources and available card options.
View Personal CardsBusiness Credit Cards
Explore business credit-card resources and available card options.
View Business CardsPersonal Loans
Explore personal-loan resources and what to consider before borrowing.
View Personal LoansBusiness Funding
Explore business banking, business loans and funding resources.
View Business FundingCredit Reports, Disputes, Freezes and Consumer Protection.
Use official sources whenever possible when requesting reports, disputing information, freezing files, reporting identity theft, or submitting consumer complaints.
AnnualCreditReport.com
Official central source for free credit reports from Equifax, Experian and TransUnion.
Request Credit ReportsEquifax Disputes
Use Equifax's consumer dispute resources when you need to review potentially inaccurate information.
Equifax Dispute CenterTransUnion Credit Freeze
Place, lift or remove a TransUnion credit freeze through its consumer tools.
Manage TransUnion FreezeExperian Credit Freeze
Manage an Experian security freeze through Experian's official freeze center.
Manage Experian FreezeCFPB Complaint Portal
Submit complaints about credit reporting, debt collection, bank accounts, credit cards and other financial products.
Submit CFPB ComplaintIdentityTheft.gov
Report identity theft to the FTC and create a recovery plan.
Report Identity TheftBetter Business Bureau
Research businesses, reviews, complaint histories and company profiles.
Visit BBBYour Credit Files Go Beyond the Big Three.
Specialty consumer reporting agencies may maintain information used for banking, identity verification, lending, insurance or other decisions.
LexisNexis Risk Solutions
Request access to your LexisNexis consumer disclosure information.
LexisNexis Consumer PortalChexSystems
Request consumer disclosures, manage freezes, submit disputes and review banking-report information.
Visit ChexSystemsInnovis
Access Innovis credit-report, dispute, fraud-alert and security-freeze services.
Visit InnovisEarly Warning Services
Request your Early Warning consumer file disclosure.
Request Early Warning FileBusiness Resources for Building and Financing the Company.
These resources include direct bank pages and financial-product links for business credit cards, checking accounts and financing.
Bank of America Business Checking
Compare Bank of America business checking-account options.
View Business CheckingBank of America Business Loans
Explore Bank of America small-business financing options.
View BOA FinancingRental Kharma
Rent-reporting resource for consumers who want eligible rental-payment history reported.
Visit Rental KharmaBusiness Formation, Contracts, Entity Research and Registration Tools.
Use these resources to research business names, form or manage businesses across multiple states, review contract resources, search trademarks, identify NAICS codes, and access registered-agent tools.
Rocket Lawyer Business Contracts
Access business-contract templates and contract-building resources for common business needs.
Explore Business ContractsFlorida Sunbiz — Start a Business
Access Florida Division of Corporations information for starting and registering a business in Florida.
Start With SunbizFlorida Sunbiz Business Search
Search Florida corporation, LLC and business-name records through the Division of Corporations.
Search Florida BusinessesUSPTO Trademark Search
Search federal trademark records before selecting or applying to protect a business or brand name.
Search TrademarksFlorida Registered Agent Client Login
Access the Florida Registered Agent client portal for registered-agent and business account management.
Open Client LoginNAICS Code Search
Search North American Industry Classification System codes used to identify business industries and activities.
Search NAICS CodesRegistered Agent Entity Portal
Access the entity-management portal associated with your registered-agent account.
Open Entity PortalStart, Register or Research a Business in Popular U.S. States.
State formation requirements vary. These links go to official government business-registration resources for several commonly used states. Local city or county licenses may still be required separately.
New York — Start a Business
Official New York State guidance for forming an entity, registering the business and understanding startup requirements.
Start a Business in New YorkTexas Secretary of State — Business Services
Access Texas business-formation guidance, filing options, name information, registered-agent resources and business searches.
Start a Business in TexasGeorgia Corporations Division
Official Georgia Secretary of State resources for creating, registering, renewing and managing corporations and LLCs.
Start a Business in GeorgiaGeorgia Business Search
Search corporations, LLCs, registered agents and other business-entity records maintained by the Georgia Secretary of State.
Search Georgia BusinessesCity of Atlanta Business Licenses & Permits
Official City of Atlanta information for business licenses, occupational tax certificates and local permits.
Atlanta Licenses & PermitsCalifornia bizfile
California Secretary of State portal for business filings, business-entity searches, records and ongoing entity management.
Open California bizfileDelaware Division of Corporations
Official Delaware resources for forming entities, checking names, searching businesses, filing documents and managing annual requirements.
Open Delaware CorporationsSBA State Registration Lookup
Use the U.S. Small Business Administration directory to find the official business-registration office for any U.S. state or territory.
Find My State Registration SiteFederal Tools Worth Bookmarking Before and After You Form a Business.
These official resources cover federal tax identification, business-launch guidance, government contracting registration and free or low-cost small-business assistance.
IRS — Get an EIN
Apply directly with the IRS for an Employer Identification Number. The IRS does not charge a fee for an EIN.
Get an EIN From the IRSU.S. Small Business Administration
Guidance on business structures, registration, tax IDs, licenses, permits, bank accounts and other startup steps.
Launch Your BusinessSAM.gov Entity Registration
Register an entity or obtain a Unique Entity ID when preparing to pursue eligible federal contracts or federal assistance.
Open SAM.gov RegistrationSBA Local Assistance
Find Small Business Development Centers, SCORE mentors, Women's Business Centers, Veterans Business Outreach Centers and SBA district offices.
Find Local Business HelpFederal Credit and Debt-Collection Resources.
These links go to government, regulatory and legal-reference materials covering consumer reporting and debt-collection rights.
Information Is More Useful When You Know What to Do With It.
Credit Stoppers helps connect the information in your reports, specialty files and financial resources with a clearer credit strategy.
Review the Source
Use official sources and read the provider's current terms before submitting personal information.
Understand the Purpose
Know whether you are requesting a report, filing a dispute, freezing a file, or applying for a financial product.
Make the Next Move Intentionally
Use the information you gather to decide what needs attention and what should happen next.
Start With a Credit Review.
If you are not sure which reports, disputes, specialty files, or credit-building steps matter for your situation, start with your current profile.
Repair • Build • Position
Credit improvement, credit-building education, and funding preparation.
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