The creditor that furnishes negative information to a credit report is obligated to investigate consumer disputes under the Direct Dispute Rule. Go directly to the source (the creditor) to dispute inaccurate credit report items.
The FDCPA are laws against debt collectors which protect consumers from abusive, unfair, or deceptive practices debt collectors may use in collecting debts.
Consumer reporting agencies collect, maintain and sell information on millions… Read More »How the Fair Credit Reporting Act (FCRA) helps consumers
The Truth in Lending Act gives consumers the right to… Read More »How to Dispute a Credit Card Billing Statement