is there such a thing as legal credit repair?
DESCRIPTION
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you to question all information on your credit report; particularly items you think are inaccurate, misleading, or outdated.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.TRANSCRIPT
Legal Credit Repair?Is There Such a Thing?
Legal Credit RepairFair Credit Reporting Act
• Not Older 7 Years• Verifiable• Not Misleading• Accurate• Legally Challenge All
FCRA
Legal Credit RepairFair Debt Collection Practices Act
• No Abuse• No Deception• Fair Treatment• Accurate Reporting• Communication
FDCPA
Legal Credit RepairFair Debt Collection Practices Act
• No Abuse• No Deception• Fair Treatment• Accurate Reporting• Communication
FDCPA
Legal Credit RepairFair Credit Billing Act
• Covers Billing Errors• Not Billing Disputes• Fair Treatment• Restricted Reporting• Communication
FCBA
Legal Credit RepairEqual Credit Opportunity Act
• Prohibits Discrimination• Explantion of Denial• Clear Definitions• Marital, Spouse, Identity• Disabilities
ECOA
Legal Credit RepairTruth in Lending Act
• Disclosure Required• Definitions & Terms• Fair Treatment• Accurate Reporting• Communication
TILA
Legal Credit RepairGramm-Leach-Bliley Act
• Privacy Safeguards• Theft Prevention• Info Sharing• Opt-Out• Identity Theft Issues
GLBA
Legal Credit RepairThe Federal Trade Commission
• Enforces these Laws• Updates these Laws• Governs Credit Issues
FTC.gov
Legal Credit RepairIs Credit Repair Legal?
• Credit Repair is Legal• You Have Rights• You Can Legally Repair Your Credit History!
YES!
