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Fair Debt Collection Practices Act
Debt collection agencies and collection departments for the original creditor must comply with specific federal law when collecting consumer debt. This federal law is The Fair Debt Collection Practices Act
(FDCPA). If you have been the victim of false or misleading statements
or any other unfair collection practice, I can help you stop harassment
and clear your name.
Fair Credit Reporting Act
Lenders use credit scores to evaluate your application for all types of loans including home mortgage, car purchase, credit cards, and utilities. Three consumer reporting agencies collect this information about you and translate it into a credit score.
You should request and review your credit report for errors (and possible identity theft) at least once a year. All 3 credit bureaus allow you to dispute certain items online. Upon receipt of a written dispute, Federal law requires a company providing information to any credit bureau to verify any disputed information within thirty (30) days or remove the disputed information from your report. See the Fair Credit Reporting Act (FCRA) for this and other provisions. If you have a problem with your credit report and need help resolving that problem, call me. The FCRA recognizes the importance of fair and accurate credit reports, so a company in violation of the FCRA can be forced to remove the report and pay damages. If you have been harmed by a intentional violation of the FCRA you can even recover punitive damages.
Credit Score Formula
Your credit score affects your ability to borrow money. TransUnion, Experian, and Equifax,
are the three primary consumer reporting agencies who track
your payment and borrowing history.
Presently, the three consumer reporting agencies calculate
your credit scores with similar unique formulas. The strength and size of the credit bureaus insulate them from practical liability for damages due to misinformation. The FDCPA and FCRA provide means to remove or at the very least insert a comments for disputed items. | 
