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Your Consumer Rights*

The Fair Credit Reporting Act (FCRA) is designed to help ensure that Consumer Reporting Agencies (CRA) furnish correct and complete information to businesses to use when evaluating your application.

Your Rights Under the Fair Credit Reporting Act
• You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of the request.
• You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
• Any company that denies your application must supply the name and address of the CRA they contacted, provided the denial was based on the information given by the CRA.
• You have the right to a free copy of your credit report when your application is denied because of information supplied by the CRA. Your request must be made within 60 days of receiving your denial notice.

• If you contest the completeness or accuracy of information in your report, you should file a dispute with the CRA and with the company that furnished the information to the CRA. Both the CRA and the furnisher of information are legally obligated to re-investigate your dispute.
• You have the right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.

The Equal Credit Opportunity Act (ECOA) prohibits credit discrimination on the basis of sex, race, marital status, religion, national origin, or receipt of public assistance.
Your Rights Under the Equal Credit Opportunity Act
• You have the right to have reliable public assistance considered in the manner as other income.
• If you are denied credit, you have legal right to know why.

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.
Your Rights Under the Fair Debt Collection Practices Act
• Debt collectors may contact you only between 8:00a.m. and 9:00p.m.
• Debt collectors may not contact you at work if they know your employer disapproves.
• Debt collectors may not harass, oppress, or abuse you.
• Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.
• Debt collectors must identify themselves to you on the phone.
• Debt collectors must stop contacting you if you ask them to in writing.

*This is general knowledge and in no way represents legal advice as we are NOT lawyers.

Education Center

Helpful Financial Forms - Download financial forms.

Credit Cards - Learn about important terms before applying for a credit card.

Consumer Rights - Learn about your rights under the Fair Credit Reporting Act.

Debt Warning Signs - Learn about the warning signs of debt.

Credit Scores - Learn about credit scores and why they are so important.

Telemarketing Scams - Top 10 telemarketing scams.

Money Saving Tips - Tips to help you save money.

Consumer Debt Statistics - Detailed consumer debt statistics in the U.S.

Debt Management Plan - How debt management helps you.

Credit Repair - How credit repair helps you.

Foreclosure Prevention - How and why to prevent foreclosure.

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