Credit Reporting Laws
There are many laws written to protect your rights. Here is a summary of the Laws related to your rights as they relate to accurate credit reporting, privacy of your personal information, and debt collection practices.
Fair and Accurate Credit Transactions Act (FACTA)
The Fair and Accurate Credit Transaction Act was created to help protect your privacy and insure the accurate reporting of your credit transactions.
View a summary of your FACT Act rights.
View the full text of the FACT Act.
Equal Credit Opportunity Act (ECOA)
The Equal Credit Opportunity Act was was written into law to afford equal credit opportunities to all people regardless of sex, race, marital status, religion, national origin, age, or because you receive public assistance.created to help protect your privacy and insure the accurate reporting of your credit transactions.
View a summary of your ECOA rights.
View the full text of the ECO Act.
Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act was created to ensure the accuracy, fairness, and privacy of information reported to credit bureaus.
View a summary of your rights under the FCRA.
View the full text of the FCRA.
Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act was created to protect you from harrassment and deception of creditors and third party debt collectors.
View a summary of your rights under the FDCPA.
View the full text of the FDCPA.
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