As consumers, your rights are protected by strict federal laws. One of your most important rights is guaranteed access to your credit score.

Your credit score is an evaluation made by credit scoring agencies that determines your risk to lenders. A high credit score means you will pay lower interest rates for a house, a car or a credit card. Lower credit scores can limit your ability to get financing.

Federal law guarantees consumers a copy of their credit report. To get your credit report, click here.

Credit, managed wisely, is an important tool allowing consumers to build better lives. However if not managed properly, credit can enslave the consumer. If you feel trapped under crippling credit card debt, don't despair, there is help. Consumer Credit Counseling Services of Puerto Rico is available to help you find a way to organize yourfinances and get your debt under control.

Puerto Rico consumers who believe they have been mistreated by a merchant or have a financial dispute with a company may notify the Department of Consumer Affairs (DACO) at (787) 722-7555.