Understand your consumer rights under FCRA, FDCPA, and other federal laws. Learn how to enforce your rights against credit bureaus and debt collectors.
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.
Credit Report Errors? Negative Items?Get Them Removed — and Get Paid for the Violations.
If they can't prove it, it may not belong on your report. We demand proof of every negative item, get inaccurate ones deleted — and when the law's been broken, our partnered attorneys pursue damages.