Debt Collection Laws

Debt Collection Laws

What Are My Rights Under the Debt Collection Laws? Can a Debt Collector Call Me at Work or at Home? The debt collectors are relentless, calling non stop, but is it legal? Being in debt is stressful enough without getting phone calls at home and work. It’s bad enough that you’re in debt, but you […]

Debt Collection Laws

Debt Collection Laws - Collections on Your Credit Report - Credit Cards

What Are My Rights Under the Debt Collection Laws? Can a Debt Collector Call Me at Work or at Home? The debt collectors are relentless. They call non stop, but is it legal? Being in debt is stressful enough without getting phone calls at home and work. It’s bad enough that you’re in debt, but […]

5 Credit Laws You Really Want to Know About

Credit Laws - Credit Report - Fair Credit Billing - Fair Debt Collection

5 Credit Laws You Really Want to Know About. If you can’t seem to get an error off your credit report or you’re dealing with incessant debt collection calls, it’s easy to get overwhelmed. And you feel the deck has been stacked against you. But take a deep breath. There are actually of plenty of […]

Resolving Billing Errors With the Fair Credit Billing Act

Credit.ly - Boost Your Credit Score - Resolving Billing Errors With the Fair Credit Billing Act

As consumers, we use our credit cards for everyday purchases, like eating out, online shopping, pumping gas,  and everything else you can think of. When errors occur, they may not be so noticeable. Due to the amount of transactions we make and the number of credit card accounts we own, we may never even catch […]

Statute of Limitations On Debt Collection

Credit.ly - Credit Score for Credit Card - Statute of Limitations On Debt Collection

Statute of Limitations On Debt Collection. Negative accounts have a limited lifespan. The amount of time negative reporting stays on your account is called the “Statute of Limitations.” As the Consumer Financial Protection Bureau explains on its site: “a statute of limitations is the limited period of time creditors or debt collectors have to file […]

Dispute Letters / Info

How to do Credit Repair - Sample Credit Dispute Letter - Credit Card

Sample Credit Dispute Letter Sample Letter Form #1 Date Your Name Current Address City, State, Zip Code Complaint Department Credit Bureau Credit Information Services Credit Bureau Address City, State, Zip Code Dear Sir, I am writing to dispute the following information in my credit file. The items I am disputing have been circled on my […]

The Fair Credit Reporting Act

Credit.ly - Auto Loan Credit Score - The Fair Credit Reporting Act

Download the PDF here. THE FAIR CREDIT REPORTING ACT – July 30, 2004 As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the […]

Experian: What You Need to Know

Credit.ly - Credit Repair - Experian: What You Need to Know

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5 Steps to Reduce Your Debt: Do-it-Yourself Debt Reduction

Credit.ly - Bad Credit Car Loans- 5 Steps to Reduce Your Debt: Do-it-Yourself Debt Reduction

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