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Last Updated: January 2026
Montana Capital Car Title Loans provides these resources from government agencies to help you make informed financial decisions. All links go to free, official sources.
Get Your Free Credit Report
Federal law gives you one free credit report every 12 months from each of the three major credit bureaus (Equifax, Experian, TransUnion).
The only federally authorized website to request your free annual credit reports. Order from one, two, or all three bureaus at once.
CFPB: How to Get Free Credit Reports
Learn how to request reports online, by phone, or by mail. Explains when you qualify for additional free reports.
CFPB: Can I Get My Credit Score Free?
Free credit reports don’t include scores. Learn where to get your score free and how to avoid hidden fees.
Understand Credit Scores
Your credit score affects loan rates, rental applications, and sometimes employment. Learn what factors impact your score and how to improve it.
California Attorney General: Credit Scores and Reports
California-specific guide covering how to check your report, dispute errors, and repair your credit.
CFPB: Credit Reports and Scores
Comprehensive federal resource explaining how scores are calculated, what hurts your score, and how to build credit.
California DFPI: Credit Education
Resources from California’s financial regulator on credit basics, choosing credit cards, and building credit history.
Know Your Options Before Borrowing
Short-term loans, including car title loans, can help in emergencies but come with costs and risks. Review these resources to understand your options.
FTC: What to Know About Payday and Car Title Loans
How title loans work, what they cost, risks of repossession, and alternatives like credit union loans and payment plans.
California DFPI: Consumer Loans
California’s guide to consumer loans, including your rights as a borrower and how lenders are regulated in the state.
Get Help with Debt
If you are struggling to pay bills, free help is available. Nonprofit credit counselors can help you create a plan.
Steps to manage debt yourself, how to find legitimate nonprofit credit counselors, and warning signs of debt relief scams.
Know your rights when dealing with debt collectors. Learn what collectors can and cannot do, and how to dispute a debt.
California DFPI: Managing Debt
California resources for debt management, including how to file complaints against debt collectors.
File a Complaint
If you have a problem with a financial company, including a lender, you can file complaints with these agencies:
Consumer Financial Protection Bureau (CFPB)
Federal complaints about banks, lenders, credit cards, debt collectors, and credit reporting.
California state complaints about lenders, debt collectors, and other financial services licensed in California.
Federal Trade Commission (FTC)
Report scams, fraud, and deceptive business practices to help law enforcement detect patterns.
Disclaimer: These links go to external websites operated by government agencies. Montana Capital Car Title Loans does not control the content on these sites. This information is for educational purposes only and is not financial, legal, or tax advice.