Legal Credit Repair?Is There Such a Thing?
Legal Credit RepairFair Credit Reporting Act
• Not Older 7 Years• Verifiable• Not Misleading• Accurate• Legally Challenge All
FCRA
Legal Credit RepairFair Debt Collection Practices Act
• No Abuse• No Deception• Fair Treatment• Accurate Reporting• Communication
FDCPA
Legal Credit RepairFair Debt Collection Practices Act
• No Abuse• No Deception• Fair Treatment• Accurate Reporting• Communication
FDCPA
Legal Credit RepairFair Credit Billing Act
• Covers Billing Errors• Not Billing Disputes• Fair Treatment• Restricted Reporting• Communication
FCBA
Legal Credit RepairEqual Credit Opportunity Act
• Prohibits Discrimination• Explantion of Denial• Clear Definitions• Marital, Spouse, Identity• Disabilities
ECOA
Legal Credit RepairTruth in Lending Act
• Disclosure Required• Definitions & Terms• Fair Treatment• Accurate Reporting• Communication
TILA
Legal Credit RepairGramm-Leach-Bliley Act
• Privacy Safeguards• Theft Prevention• Info Sharing• Opt-Out• Identity Theft Issues
GLBA
Legal Credit RepairThe Federal Trade Commission
• Enforces these Laws• Updates these Laws• Governs Credit Issues
FTC.gov
Legal Credit RepairIs Credit Repair Legal?
• Credit Repair is Legal• You Have Rights• You Can Legally Repair Your Credit History!
YES!
