The Fair Credit Reporting Act (FCRA) is primarily aimed at the three major credit reporting agencies (CRAs), Experian, Equifax and TransUnion, because of the extensive use of the information those bureaus collect and sell.
When it comes to your credit, accurate information is of the utmost importance. Inaccurate information about past and current debts, current credit and other important aspects of your credit can have devastating consequences.
Negative information must be removed from your file after seven years. If you find that you have inaccurate information on your credit reports, do not delay, call us today.
You have the right to one free copy of your credit report annually from each of the nationwide consumer credit reporting agencies. Download the free report below.
The Telephone Consumer Protection Act ("TCPA") generally makes it unlawful for any person to make a call without prior express consent using any automatic telephone dialing system or an artificial or prerecorded voice to any telephone number. The TCPA provides statutory damages for each violation ranging from $500-$1,500 for each call, and requires the offending party to pay for the consumer's attorney fees and costs of suit should they prevail. Suits must be brought in good faith and in the event of a loss, you may have to pay the opposing parties' attorney fees and costs.
Robocalls, automated or autodialed voice calls, often consist of unsolicited, unauthorized or unwanted voice or pre-recorded messages made by an autodialer or automatic telephone dialing system ("ATDS") typically designed to advertise the caller's products or services or for debt collection purposes.
Example of a Robocall : "This is ABC collections and we are calling about a debt, please hold while we transfer you to a representative"
Example of a Pre-Recorded Message: "This is ABC marketing and we want to help you sell your car, call us back at 111-2222"
The Fair Debt Collection Practices Act (FDCPA) establishes ethical guidelines for the collection of consumer debts. You do not have to tolerate creditor harassment. You have rights and we can help.
Here are some common violations by debt collectors: