Fight Back; Control Over Credit Bureaus
Are you a Victim of Credit Card Guilt

Easy Tips to Increase Your Income

Do-It-Yourself Debt Settlement

Government and Agency Help

Eliminate Unsecured Debts Fast

Unpaid Debt Backfires

How Nonconsensual Liens Effect You

Can't Pay Your Credit or Charge Card Bill

Bankruptcy Law May Change for the Worse

 Resources to Fight Back & Win

Ok so far we know what the average American citizen knows; credit bureaus determine our credit score by using their beacon scoring point system, but the "eye opening" information your about to receive won't only surprise you, it'll Startle You.
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The FCRA lets you sue a credit bureau

The FCRA (Fair Credit Reporting Act) lets you sue a credit bureau for negligent or willful noncompliance with the law within two years after the bureau’s harmful behavior first occurred. You can sue for actual damages, such as court costs, attorneys’ fees, lost wages and, if applicable, intentional infliction of emotional distress. In the case of truly outrageous behavior, you can recover punitive damages—damages meant to punish for malicious or willful conduct.

Turn to the State Agency where the Credit Bureaus' are Located

In many states, you should also complain to the state agency that regulates credit bureaus’ illegal or unethical conduct. If you were seriously harmed by the credit bureau —for example, it continued to give out false information after you requested corrections— you may want to sue. After all, the false information that the credit bureaus failed to edit could result in higher interest rates which could then lead to higher payments. Do you see the chain reaction of negative effects that could potentially damage ones financial and personal future. All the while the credit bureau could've made a few necassary revisions and all this could have been avoided.

All states have laws governing credit reporting agencies. Only some of those laws, however, impose more limitations on creditors and credit bureaus and provide more protections to consumers than does the Fair Credit Reporting Act.

You Decide

Only you decide when its time to fight back, wether you choose to fight alone or fight with profession, choose to fight before your financial credibility diminishes. For more information or to request professional help, contact Community Debt Service toll free or online.

About the FCRA (Fair Credit Reporting Act)

The FCRA was passed to address consumers’ concerns about the proliferation of credit bureaus and the information in credit files. The law is designed to bar inaccurate or obsolete information from credit files, and it requires that credit bureaus adopt reasonable procedures for gathering, maintaining and disseminating information.


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