Your Credit Rights

In today’s economy knowing your credit rights is critical when attempting to rebuild your credit or just improve it. Many Americans have had their credit scores compromised due to unemployment, unscrupulous tactics by the banking industry and the collapse of the house market.

We believe and I’m sure you would agree that education is one of the keys to achieving success in all things. Our hope is by providing you with information regarding your credit rights as well as valuable resources, you will be able to not only recover, but as well protect your financial future.

What are Your Credit Rights?

As a consumer you have credit rights. The FCRA is the Federal law that protects your credit rights. The FCRA was enacted on October 26th 1970 an was an amendment to the original act enacted in 1968 (Consumer Credit Protection Act).

This law regulates the collection, dissemination and use of consumer information, including consumer credit reports. Knowing your credit rights as stated in the FCRA will help you to protect your financial well being by ensuring the highest credit score possible.

Below you will find a series of videos on various topics that will help you to understand what your credit rights are as well as educational information on how credit works. Please feel free to leave any comments or questions that you may have.

Consumer Credit Counseling Services Doesn’t Remove Bad Credit Notations

Consumer Credit Counseling Services will not help remove negative information that is reporting on your credit report. To remove negative information you must got through a dispute process.

How Long can a Negative Item Remain on Your Credit Report?

Negative items have a specified time frame that they can be reported to your credit report. It is improtant to understand what the time frame is as well as what the requirements are.