Did you know that there are an arsenal of laws that protect consumers? Here is a partial list that we use to strategically dispute unethical, erroneous, untimely, and unverifiable information that could end up on your credit report.
1. The Equal Opportunity Act
Ensures all consumers are given an equal chance to obtain credit. Lenders cannot discriminate based on sex, race, marital status, religion, national origin, age or receipt of public assistance.
2. Fair Credit Billing Act
Applies to open-end credit accounts such as credit cards and lines of credit. Protects consumers from unfair billing practices and provides dispute settlement procedures for resolving billing errors and unauthorized charges.
3. Fair Credit Reporting Act
Regulates the collection, dissemination and use of consumer credit information. Designed to promote accuracy and ensure the privacy of the information in your credit report.
4. Fair Debt Collection Practices Act
Requires that debt collectors treat you fairly and prohibits unfair, deceptive and abusive debt collection practices.
Do you have incorrect or negative credit items keeping your credit scores down? If so, it’s probably time to call Dedicated Credit Repair and get those scores back up where they belong!