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There Are A Lot of Laws To Help You Improve Your Credit - GreenPointe Financial

The Fair Credit Reporting Act


The Fair Credit Reporting Act (FCRA) is a federal law (codified

at Title 15 United States Code Section 1681 and following ) that

governs how a credit reporting agency (CRA) handles your credit information. It is designed to protect the integrity and privacy of

your credit information.

The FCRA requires credit reporting agencies--and the entities that
report your credit information to them and others--to ensure that
your information is fair and accurate, and kept private.

The FCRA protects your right to access and correct any

inaccuracies in your credit report and provides you with remedies

if a credit reporting agency or information furnisher violates

your rights.

Along with the Fair Debt Collection Practices Act (FDCPA), it

forms the base of consumer credit rights in the United States. It

was originally passed in 1970, and is enforced by the US Federal

Trade Commission, the Consumer Financial Protection Bureau

and private litigants.


The Fair and Accurate Credit Transactions Act



The Fair and Accurate Credit Transaction Act (FACTA) of 2003 is

an amendment to the Fair Credit Reporting Act (FCRA, 15 U.S.C.

1681 et seq.).


Passed by the United States Congress on November 22, 2003,

and signed by President George W. Bush on December 4, 2003,

the intended purpose of the added sections/ legislation is to help consumers fight the growing crime of identity theft; accuracy,

privacy, limits on information sharing, and new consumer rights

to disclosure are included in FACTA. (Pub. L. 108-159, 111 Stat.


Fair Debt Collection Practices Act


The Federal Fair Debt Collection Practices Act (FDCPA) (15 USC

1692 et seq.), which became effective in March 1978, makes

illegal certain collection abuses/ deceptive tactics used by

collection agencies.

Enforced by the Federal Trade Commission the FDCPA statutes
oversee the practices of collection companies only; and is often
used in conjunction with the FCRA.


The Fair Credit Billing Act


The Fair Credit Billing Act (FCBA) is enforced by the Federal

Trade Commission. The federal statute is designed to protect

consumers from unfair credit billing practices. It provides

guidelines for both consumers and creditors including

procedures to manage disputes regarding billing statements.

In addition, any interest accrued on the billing error has to be

dropped if your claim is confirmed.

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