A summary of your rights under the FCRA, FACT Act and other consumer laws.
12 Questions for ChoicePoint
ChoicePoint became a household name in 2005 when a data breach case involving 163,000 consumer records made headlines around the world. Read what Matthew Furman, Vice President Corporate Communications for ChoicePoint, has to say about identity theft, data privacy and consumer security issues.
Bankruptcy Reform and The Impact on Consumer Credit Reports and Credit Scoring
What does the 2005 passage of the bankruptcy reform mean to consumers? This pro-business legislation will make it more difficult for people with financial problems to start over.
Consumer Guide: How the Credit CARD Act of 2009 Affects You
While the Credit CARD Act contains a number of strong consumer protection provisions, it still leaves many consumers scratching their heads and wondering, "Okay, but what does it do for me?" To help answer this question, we've put together an easy-to-understand consumer guide to the Credit CARD Act.
Credit.com's State-by-State Payday Loan Summary
Each state has it's own set payday lending laws. See what your state has set as the maximum fees and finance charges for these short term loans.
CROA Class Action Lawsuits
When Congress approved the Credit Repair Organizations Act (CROA) in 1996, its goal was simple: Put an end to the misleading and frivolous practices of certain "credit repair" organizations. Lately CROA is being misused by class action lawyers to target credit bureaus.
Demystifying Payday Loan Agreements
Thinking about a payday loan? Learn to interpret the fine print of a payday loan agreement and protect your rights. Our legal expert translates complicated terms and cost disclosures for payday loans.
FACTA's Free Credit Reports Usher in a New Era
The Fair and Accurate Credit Transactions Act (FACT Act, or FACTA) allows consumers to receive a free copy of their credit report once a year from each of the three credit reporting agencies. Other provisions help to protect consumers against identity theft by making it easier to detect and block identity thieves trying to open fraudulent accounts. This article explains what FACTA means to consumers.
How to Order Your Free Annual Credit Report
Did you know that you are entitled to a free credit report from Equifax, Experian and TransUnion once every 12 months? In this article, Credit.com's experts show you how to order your free credit reports, hidden tricks to making the ordering process go smoothly and ideas for making the best use of this free service.
The Fair Credit Reporting Act
The Fair Credit Reporting Act is a federal law that regulates how consumer credit reporting agencies can use your sensitive credit information.
The Truth About Payday Loans
From the local strip mall to the internet, the payday lending industry is booming. But what is a payday loan? Is it as bad as some people say? Credit.com gives you straight answers about payday loans.
Understanding the Credit Card Accountability Responsibility and Disclosure Act
On May 22, 2009, the Credit CARD Act of 2009 was signed into law by President Barack Obama. In this article, we outline the main provisions of this important consumer protection legislation.
Understanding Your Debt Collection Rights
Credit.com's personal finance law expert decodes the Fair Debt Collection Practices Act for consumers. Learn what legal and illegal behavior for collection agencies
Understanding Your Foreclosure Rights: A Consumer Law Review
What are the steps in a foreclosure? What rights and obligations do you have during a foreclosure action? Our consumer law expert shows you how foreclosure works and what laws protect you.
Use Your Credit Clout: Credit Laws That are on Your Side
Consumers are protected by several personal finance, credit and identity theft regulations. You could have some serious credit clout, if you know how to use these laws. Learn about the top consumer protection laws and how to exercise your consumer rights.
When is a Payday Loan a Good Option?
Emergency payday loans are controversial. With annual percentage rates as high as 5,000%, payday loans can seem like a terrible deal. In this article, our credit experts compare the costs of some alternatives and explain when using a payday loan may actually a good idea
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