Use these credit laws to learn about your credit
rights when dealing with credit card fraud; reporting lost or stolen credit and
debit cards, and how to deal with credit and debt collection agencies. FREE
credit and consumer letters!
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Shopping Protection
Tips, advice, and government agencies to help
consumers protect their rights and avoid being ripped off when shopping from
home!
Credit Repair Organization Act
This federal law requires
credit repair organizations to provide disclosure statements before you
purchase their services and protects you from unfair or deceptive advertising
and business practices!
The Fair Credit Billing
Act
This law requires creditors to promptly correct billing mistakes;
allows you to withhold payments on defective goods; and requires creditors to
promptly credit payments!
Truth in Lending
Act
The Truth in Lending Act protects consumers by requiring meaningful
disclosure of credit terms!
The Fair Credit Reporting Act
This federal law outlines
your rights and regulates how credit bureaus maintain and sell credit reports.
See the complete law here!
Equal Credit
Opportunity Act
The Federal Equal Credit Opportunity Act prohibits
creditors from discriminating against credit applicants!
Electronic Funds
Transfers Act
This federal law covers electronic money transfers!
Outlines your rights and liabilities when using debit cards or ATM cards and
direct deposits!
Credit
Reports
Learn how to read your credit reports and how to dispute
inaccurate information FREE.
Credit
Terms and Definitions
Complete glossary of credit terms and
definitions!
If you've fallen behind on your
bills, especially credit cards, don't panic. You may have several good options
available to you. Your success starts by assessing your current situation and
finding a trusted service provider that is licensed in your state.
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