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FEDERAL LAWS

The Equal Credit Opportunity Act (ECOA)
Intended to insure non-discrimination in credit transactions

Fair Credit Reporting Act (FCRA)
Addresses the reporting of erroneous information by the credit bureaus

The Fair Debt Collection Practices Act (FDCPA)
Prohibits the use of unethical practices in pursuing debt collection

The Fair Credit Billing Act
Sets forth methods to rectify mistakes on credit card accounts

THE MAJOR CREDIT BUREAUS

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LOANS

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CREDIT CARDS

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Your Credit Score

Three little numbers that mean the difference in financial health or misery ... your credit score!

A mathematical number assigned to you based on your credit history and other factors, it reflects your credit worthiness and can make a difference in whether or not you'll be granted a loan, your interest rate, credit card interest rates, etc..

Find out YOUR credit score NOW!

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