Every link in the book — clickable, kept current

Your reports & scores (all free)

• AnnualCreditReport.comThe one official source for your three free credit reports — free every week. Decline everything with a price tag on the way. (Ch. 1)
• Experian free scoreA real FICO 8, free, from Experian's own app or site. (Ch. 1)
• Credit KarmaFree scores from TransUnion and Equifax — for watching trends. (Ch. 1)
• myFICOThe ONE score purchase ever worth making: the 3-bureau mortgage-score report, once, 60–90 days before a mortgage application. Everyone else: never buy a score. (Ch. 18)

Freeze your file (all free) — Chapter 14

• Equifax freeze 1-800-685-1111The big three: freeze all of them.
• Experian freeze 1-888-397-3742
• TransUnion freeze 1-888-909-8872
• Innovis freezeThe fourth general bureau nobody freezes.
• NCTUE freezeUsed by phone and utility companies.
• ChexSystems freezeUsed by banks when someone opens a bank account.
• OptOutPrescreen.comStops "pre-approved offer" junk mail — those envelopes are stealable credit applications.

Complaints & identity theft

• CFPB complaint formThe federal complaint that makes bureaus and collectors respond in writing. Free, ~15 minutes. (Ch. 16)
• IdentityTheft.govStep one for identity theft: the FTC report that powers the fast-lane block. (Ch. 6, Letter 12)
• National Association of Consumer AdvocatesFind a consumer-protection attorney — many take FCRA/FDCPA cases at no cost to you. (Ch. 18)

The toolkit

• Get the free toolkitThe 13 letters, phone scripts, tracker, and AI copilot prompts.
• Build your 90-day calendarThe whole plan as phone reminders — pick your start date, download, done.

Links verified July 2026. Found one that moved? The company's homepage plus a search for the page name always works — and we'll fix it here.