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Consumer Credit Protection Act: Congress passed these laws to protect you — the FCRA, FDCPA, CROA, ECOA and TILA are all part of it.
FCRA § 611: You have the right to dispute inaccurate or incomplete information, and the credit bureau generally must investigate within 30 days — free of charge.
FCRA § 605: Most negative information must come off your report after 7 years. Most bankruptcies: 10 years.
FCRA § 605B: Identity theft victims can have fraudulent accounts blocked from their credit reports.
FCRA § 612: You are entitled to free copies of your credit reports at AnnualCreditReport.com.
FCRA § 615: If you are denied credit because of your report, you must be told and told which bureau was used.
FDCPA § 809: Dispute a debt in writing within 30 days and the collector must stop collecting until it verifies the debt.
FDCPA § 805: You can tell a debt collector in writing to stop contacting you.
FDCPA § 806–807: Debt collectors may not harass you, threaten you or lie to you.
CROA § 404: No credit repair company may charge you before its services are fully performed.
CROA § 407: You have 3 business days to cancel a credit repair contract without penalty.
ECOA: Creditors may not discriminate against you for race, color, religion, national origin, sex, marital status, age, or receiving public assistance.
TILA: Lenders must clearly disclose the true cost of credit — including the APR — before you sign.
SCRA: Active-duty servicemembers can cap interest at 6% on many debts taken on before service.

Consumer Credit Protection Act: Congress passed these laws to protect you — the FCRA, FDCPA, CROA, ECOA and TILA are all part of it.
FCRA § 611: You have the right to dispute inaccurate or incomplete information, and the credit bureau generally must investigate within 30 days — free of charge.
FCRA § 605: Most negative information must come off your report after 7 years. Most bankruptcies: 10 years.
FCRA § 605B: Identity theft victims can have fraudulent accounts blocked from their credit reports.
FCRA § 612: You are entitled to free copies of your credit reports at AnnualCreditReport.com.
FCRA § 615: If you are denied credit because of your report, you must be told and told which bureau was used.
FDCPA § 809: Dispute a debt in writing within 30 days and the collector must stop collecting until it verifies the debt.
FDCPA § 805: You can tell a debt collector in writing to stop contacting you.
FDCPA § 806–807: Debt collectors may not harass you, threaten you or lie to you.
CROA § 404: No credit repair company may charge you before its services are fully performed.
CROA § 407: You have 3 business days to cancel a credit repair contract without penalty.
ECOA: Creditors may not discriminate against you for race, color, religion, national origin, sex, marital status, age, or receiving public assistance.
TILA: Lenders must clearly disclose the true cost of credit — including the APR — before you sign.
SCRA: Active-duty servicemembers can cap interest at 6% on many debts taken on before service.

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Knowledge replaces fear. Everything here is free — whether you work with us or not.

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Glossary of Credit Terms

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Consumer Law Library

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Credit Problems

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Calculators and checklists that run right in your browser.

The Consumer Law Credit Repair Series. Much of this teaching comes from the books by our founder. Ask us about the series when you contact us.

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