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Consumer issues

Resources for improving credit, avoiding predatory lenders, and ensuring that your home is healthy and safe from hazardous materials and environmental concerns.

Important resources

Annual Free Credit Reports

Annual is the official site to help consumers to obtain their free credit report. This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies:
Equifax –
Experian –
TransUnion –

City of Milwaukie Application for a Free Home Energy Score

As of October 1, 2020, the City of Milwaukie requires home sellers to receive and disclose a Home Energy Score and report at the time of listing. Sellers with household incomes at 80% or less of the area median income may be qualified to receive a free Home Energy Score assessment. To check your eligible and further steps, click on the link above.

City of Portland Application for a Free Home Energy Assessment

Home sellers at or below 60 percent of the median family income for the Portland Metropolitan Area may be eligible for an income-qualified free Home Energy Assessment. To check your eligibility, you may fill out the form on the City of Portland Planning and Sustainability website.

City of Portland Exemption from Home Energy Score Requirement

The City of Portland Home Energy Score ordinance requires sellers of single-family homes to disclose a Home Energy Report and Score at time of listing. To see if you are eligible for one of the allowed exemptions visit the Planning and Sustainability website and fill out the form.

Debt Advice

Debt Advice is designed to help consumers understand the wise use of credit and locate a caring, certified counselor if they are in need of assistance. This website is supported by the members of the National Foundation for Credit Counseling (NHCC).

Department of Housing & Urban Development

Toll-free fair housing complaint line.

Discrimination complaints can also be filed by using HUD’s online form at


Department of Veterans Affairs

Specific information for individuals who are veterans of military service. Information on housing, VA loans, medical benefits, VA/Government employment information and special program for veterans.

Energy Trust of Oregon

Are leaky ducts draining your heating or cooling budget? In a typical home, 20% of the air passing through a duct system is wasted because of leaks. There’s an easy solution: seal them! If you’re replacing your heating or cooling equipment, it’s a great time to seal your ducts. Energy Trust makes it affordable with cash incentives. Look under Residential/Cash Incentives/Weatherization.


Federal Trade Commission

Administers a wide variety of other consumer protection laws, including the Equal Credit Opportunity Act.

FHFA Mortgage Translations

An easy-to-use collection of translated documents and tools to assist lenders, servicers, housing counselors, and others in helping ​mortgage borrowers who have limited English proficiency​ (LEP). Created by Federal Housing Finance Agency (FHFA), Fannie Mae, and Freddie Mac in collaboration with industry, consumer, and government partners, the Mortgage Translations clearinghouse contains resources such as translated documents, borrower education materials, a standardized glossary of mortgage terms, and more.

The site currently contains Spanish-language documents and resources. Materials in other languages will be added in the future.

Financial Counseling Association of America

The Financial Counseling Association of America (FCAA), formerly AICCCA, is a member-supported national association representing non-profit credit counseling companies that provide consumer credit counseling, debt management, and financial education services.

The FCAA provides high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.

Foreclosure – HUD Approved Counseling Agencies

Are you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them? Don’t ignore the letters from your lender Contact your lender immediately
Contact a HUD-approved Housing Counseling Agency
Toll FREE (800) 569-4287 TTY (800) 877-8339


ID Theft

Identity theft is becoming a huge problem in the United States. Everyone is encouraged to be alert to the use of their Social Security Number.

LexisNexis Consumer Disclosure

Insurance eligibility and pricing decisions are based in part on reports obtained from consumer reporting agencies related to loss history.

If your insurance company has sent you an adverse action letter or taken any of the following actions:

  • Denied You Insurance
  • Increased Your Rates
  • Limited Your Coverage
  • Cancelled Your Policy

You are entitled to a free copy of your consumer file which can be ordered through ChoicePoint’s Consumer Disclosure Center.

PO Box 105108
Atlanta, Georgia 30348-5108


National Foundation for Credit Counseling

Every client of NFCC member agencies receives comprehensive money management services based on their individual needs. Members provide free and/or affordable services, which are offered in-person or by phone. Many agencies also offer Web-based services. Housing counseling is also provided by many members for consumers who want to purchase homes and those who have fallen behind on their mortgage payments.

NW Natural Free Appliance Inspection

Help keep your gas appliances working safely and efficiently by scheduling a safety inspection of your equipment by NW Natural. The annual inspection is offered by NW Natural as part of the company’s service, so there is no charge for the visit.


Oregon Property Buyer Advisory

This Advisory is designed to assist home buyers in meeting their obligation to satisfy themselves as to the condition and desirability of property they are interested in purchasing.

Oregon Property Seller Advisory

This Advisory is designed to assist home sellers in meeting their obligations as a seller of real property in Oregon.

Portland Regional Lead Hazard Control Program

Lead-based paint was used in many homes built prior to 1978, and even a small amount of lead dust can be enough to harm a child. The Portland Regional Lead Hazard Control Program provides a free evaluation of lead hazards AND financial assistance to reduce lead-based paint hazards in housing occupied by qualified low and moderate income households.


ReFIT Portland

ReFIT, Remodeling for Independence Together is a non-profit volunteer organization providing home modification services for physically and financially challenged homeowners who wish to remain living independently in their homes. Homeowners in Clackamas, Multnomah or Washington County who have mobility limitations and an income below 80% of the median may qualify for assistance. See ReFIT’s website for specific qualifications and application information.

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