Consumer Rights

The Fair Credit Reporting Act is enforced by the Federal Trade Commission and was originally passed in 1970 to protect consumer rights related to credit. The Fair Credit Reporting Act sets...

Your credit report is a record of how responsible you are with paying your debts. The Fair Credit Reporting Act has strict legal standards concerning what can and cannot be placed on your credit...

Consumer credit laws serve to regulate the reporting of credit information and the practices of lenders. This protects consumers from credit reporting errors, ignorance of their interest rates...

If you are struggling with bad credit, you know firsthand what a hopeless feeling it is to review your credit report and feel as if those bad debts will never disappear. Fortunately, the federal...

The Fair Credit Reporting Act passed in 1970. The Federal Trade Commission in the United States governs the act. This federal law regulates the types of credit information gathered by consumer...

The Federal Trade Commission (FTC) is the governing body for credit laws and all associated reporting. In an effort to help consumers maintain good credit ratings, the FTC developed the Fair...

The Consumer Credit Reporting Reform Act (CCRRA) was signed into law in 1996 and amended the Fair Credit Reporting Act (FCRA) by strengthening certain provisions for consumers and clarifying some...

It may feel intimidating to deal with credit bureaus, but consumers actually have some important legal protections. Many of these are provided by the Fair Credit Reporting Act, a federal law that...

This article is design to help guide you managing past due credit issues that may have occur. It will also help you deal with credit reporting companies and debt collection agencies as well.

The Fair Credit Reporting Act (15 U.S.C. § 1681) regulates collection, publication, circulation and use of credit information on consumers. It is enforced by the Federal Trade Commission, an...

If you have a negative entry on your credit report, it is up to your creditor to change or correct it. Credit reporting agencies, such as Experian, TransUnion and Equifax do not have the...

Cases of identity theft have grown exponentially. Once you discover you have become an identity-theft victim, the damage is already done. You might think that you have to spend a lot of money with...

The Fair Credit Reporting Act governs how agencies can collect and use consumer credit information. The Act allows consumers to correct mistakes on their credit reports and protects their privacy....

As a consumer, you have rights in regards to the kinds of information that can be collected about you by various credit reporting agencies and used by creditors in determining whether to extend...