Frequently Asked Questions

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Where can I go to get a report of my credit history?

A recent amendment to the federal Fair Credit Reporting Act requires consumer reporting companies to provide you with free copies of your credit report, at your request, once every 12 months.

  • Equifax: 1-800-997-2493
  • Experian: 1-888-397-3742
  • TransUnion: 1-800-888-4213

There's only one online source authorized to do so. Beware of other sites that may look and sound similar.

From:
Office of Fair Housing & Consumer Affairs
Category:
Consumer Rights

Last updated: 03/26/2015 - 10:08am

Q1005
What can I do to research the value of a used car?

To help you investigate and compare prices, several publications are available that give general guidance on value for many models. Your library, bookstore, bank or insurance agent should have a copy of the monthly National Automotive Dealers Association Official Used Car Guide, monthly Kelley Blue Book or Edmund's to estimate a car's resale value. Comparing prices of similar makes and models can give you an idea of which seller offers the best deals.

From:
Office of Fair Housing & Consumer Affairs
Category:
Consumer Rights

Last updated: 03/26/2015 - 10:15am

Q1006
What should I know before making a final payment to a contractor?

Following these steps can help protect your rights and investment. Make sure:

  • All work meets the standards indicated in your contract
  • You have a copy of the contractor's City of Cleveland License/Registration Certificate
  • You have written warranties for materials and workmanship
  • You have proof that subcontractors and suppliers have been paid. Laws may allow a mechanic's lien to be filed against your home to satisfy unpaid bills!
  • All excess material, tools and equipment have been cleared away and the site has been cleaned to your satisfaction
  • You have inspected and approved the project
From:
Office of Fair Housing & Consumer Affairs
Category:
Consumer Rights

Last updated: 03/26/2015 - 10:12am

Q1008
What should I know before refinancing?

These tips can help you make a wise decision:

  • Be careful! Variable rate loan payments can increase drastically, while fixed rate loan payments don't change
  • Do not refinance low-interest loans with higher interest ones
  • Consider the total of all fees- including closing costs
  • See if there are prepayment penalties
  • Ask if the monthly payment includes property taxes and insurance
  • If you're not sure, DON'T SIGN! Consumer credit agencies or housing counselors can assist you. Dial First Call for Help at 211 for the location nearest you
From:
Office of Fair Housing & Consumer Affairs
Category:
Consumer Rights

Last updated: 03/26/2015 - 10:13am

Q1009
What can I do to avoid losing my home to foreclosure ?

Call the Cuyahoga County Foreclosure Intervention and Prevention Program at 216.436.2000. In addition, several foreclosure-related assistance providers can be reached through First Call For Help by dialing "211"

From:
Office of Fair Housing & Consumer Affairs
Category:
Consumer Rights

Last updated: 03/26/2015 - 10:14am

Q1010
How can I verify if a contractor has had complaints filed against his company ?

You can check on contractor complaints through the following agencies:

  • City of Cleveland Building & Housing at 216.664.2910
  • Office of the Attorney General at 216.787.3030
  • Better Business Bureau at 216.623.8964
  • City of Cleveland Office of Fair Housing & Consumer Affairs at 216.664.4529
From:
Office of Fair Housing & Consumer Affairs
Category:
Consumer Rights

Last updated: 03/26/2015 - 10:13am

Q1014
Can anything be done about loud music coming from cars or homes?

Offensively loud music is against the law. The law defines loud music as“plainly audible to persons other than those who are in the room in which such device or instrument is played (683.01)”; or “plainly audible to persons other than the occupants of said vehicle (683.02)”. Police may warn or cite the offenders, and may confiscate the equipment.

From:
Police
Category:
Consumer Rights

Last updated: 03/02/2015 - 12:28pm

Q1114
If I get into a car accident do I have to go to the police station in the district where it occurred to file the report?

No, as long as the accident occurred in the city of Cleveland, you can go to any City police station to file a report.

From:
Police
Category:
Traffic

Last updated: 03/02/2015 - 12:28pm

Q1105
How can I add information to a police report that I previously filed?

Call 216.621.1234 or go to any City police station.

From:
Police
Category:
Traffic

Last updated: 03/02/2015 - 12:28pm

Q1106
Where do I get a copy of an accident or police report?

You can get an accident report online here or a police report in person on the 3rd Floor of 1300 Ontario St-Monday, Wednesday and Friday, from 8 am to 3:30 pm. Copies are five cents per page.

From:
Police
Category:
Traffic

Last updated: 02/26/2018 - 12:23pm

Q1107

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