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Is There Such a Thing as Legal Credit Repair?

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http://www.LegacyLegal.com Despite what some people believe about credit repair, consumers have the legal right to repair their credit. The Fair Credit Reporting Act allows and encourages you to question all information on your credit report; particularly items you think are inaccurate, misleading, or outdated. Not only does the legal credit repair process work for errors but can also help remove "unverifiable" negative, yet accurate, information.

Published in: Economy & Finance, Business
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Is There Such a Thing as Legal Credit Repair?

  1. 1. Legal Credit Repair? Is There Such a Thing?
  2. 2. Legal Credit Repair Fair Credit Reporting Act FCRA • Not Older 7 Years • Verifiable • Not Misleading • Accurate • Legally Challenge All
  3. 3. Legal Credit RepairFair Debt Collection Practices Act FDCPA • No Abuse • No Deception • Fair Treatment • Accurate Reporting • Communication
  4. 4. Legal Credit RepairFair Debt Collection Practices Act FDCPA • No Abuse • No Deception • Fair Treatment • Accurate Reporting • Communication
  5. 5. Legal Credit Repair Fair Credit Billing Act FCBA • Covers Billing Errors • Not Billing Disputes • Fair Treatment • Restricted Reporting • Communication
  6. 6. Legal Credit RepairEqual Credit Opportunity Act ECOA • Prohibits Discrimination • Explantion of Denial • Clear Definitions • Marital, Spouse, Identity • Disabilities
  7. 7. Legal Credit Repair Truth in Lending Act TILA • Disclosure Required • Definitions & Terms • Fair Treatment • Accurate Reporting • Communication
  8. 8. Legal Credit Repair Gramm-Leach-Bliley Act GLBA • Privacy Safeguards • Theft Prevention • Info Sharing • Opt-Out • Identity Theft Issues
  9. 9. Legal Credit RepairThe Federal Trade Commission FTC.go • Enforces these Laws v • Updates these Laws • Governs Credit Issues
  10. 10. Legal Credit Repair Is Credit Repair Legal? YES! • Credit Repair is Legal • You Have Rights • You Can Legally Repair Your Credit History!

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