Consejos:

How to Learn About Credit

How to learn About Credit - The importance of how much credit you have and how you use it goes far beyond shopping. Whether you have good or poor credit can affect where you live and even where you work, because your credit record may be considered by prospective employers. That is why you need to understand how credit is awarded or denied and what you can do if you are treated unfairly.
 

The Equal Credit Opportunity Act

The Equal Credit Opportunity Act - The Equal Credit Opportunity Act requires that individual creditors apply credit standards in a fair manner, so that all consumers are given an equal chance to obtain credit. It does not require all creditors to have the same standards, nor does it guarantee approval of loan applications.
   

The Fair Credit Billing Act

The Fair Credit Billing Act - The Fair Credit Billing Act provides for the prompt correction of errors on open-end credit accounts (department store credit accounts, for example) and protects consumers' credit ratings while they are settling disputes.

Under this law, if a consumer is disputing a charge, creditors cannot report the consumer's account as delinquent. This applies to open-end credit instruments, such as credit cards, revolving charge accounts, and overdraft checking. Consumers who question an item are responsible for notifying the creditor in writing within 60 days of receiving the bill.

The creditor must acknowledge the notice within 30 days and may not do anything to damage the consumer's credit rating while the item is in dispute.
   

Fair Debt Collection Practices Act

Fair Debt Collection Practices Act - The Fair Debt Collection Practices Act promotes the fair treatment of consumers by prohibiting debt collectors from using unfair, deceptive, or abusive practices.
   

Consultas Gratis 1-866-647-3383 Tel: 1-866-MIS-DEUDAS

Deuda de Impuestos Debe mas de $10K al IRS Tel: 1-844-CONSEJO