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Credit Laws

Learn what the rules are for credit information providers and credit repair organizations plus credit reporting periods AKA statute of limitions on information contained in credit reports.

Also learn about the new Fair and Accurate Credit Transactions Act of 2003 (FACTA) and the Equal Credit Opportunity Act. Learn how to file credit complaints with federal enforcement agencies and what CRAs are supposed to do when you dispute inaccurate or outdated information contained in your credit reports. Finally, learn about "hard and soft credit inquiries and how hard inquires can potentially hurt your credit scores.

Consumer Notice

Credit Repair Act

Credit Reporting Statute of Limitations

Credit Information Providers

FACTA of 2003

Equal Credit Opportunity Act

How to File Credit Complaints

Credit Report Dispute Procedures

Special Notes about Credit Scores