Please check out the following credit resources...

The Credit Bureaus

Trans Union

Equifax

Experian

Get your Credit Reports

Free Annual Credit Report

A few of the Credit Laws

The Fair Debt Collection Practices Act (FDCPA)

The Fair Credit Reporting Act (FCRA)

The Truth In Lending Act

The Fair Credit Billing Act

The Credit Repair Organizations Act (CROA)

Other Resources

The Better Business Bureau

The Federal Trade Commission

New Credit Sources

Pre-Paid Credit Card Accounts

Pad Day Advances