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Not just disputes. Our attorneys file federal lawsuits when TransUnion, Equifax, Experian, creditors, or collectors violate your rights.
Credit Education Answers
Find expert answers to the top 40+ credit education questions. Our FICO-certified experts and attorneys provide clear, actionable guidance on collections, charge-offs, credit scores, legal rights, and more.
Topics covered include how to dispute collections, understanding charge-offs, improving credit scores, FCRA rights, FDCPA protections, credit bureau dispute processes, debt validation, goodwill letters, and attorney-backed credit advocacy.
Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:
Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.