Your History
Your credit payment history is recorded in a credit report. This report is managed and sold by Consumer Reporting Agencies, commonly known as credit bureaus. You will have a credit report on file if you have ever applied for a credit account or a loan. Your credit report contains information about your income, debts, and payment history. This report will also indicate whether you have been sued, arrested, or have filed for bankruptcy.

Based on your payment history, businesses can choose to grant or deny you credit. Things happen that can cause credit problems such as a temporary loss of income, an illness, or even a computer error. Solving credit problems may take time, but it doesn't have to be a big issue.

The Federal Trade Commission enforces credit laws that protect your right to obtain, use, and maintain credit.

Your Debt
You are responsible for your debts. If you are late in paying your creditors, a "debt collector" may contact you. A debt collector is any person, other than the creditor, who collects debts owed to others. This includes lawyers and debt collection companies. Learn your rights!


You have the right to:

be treated fairly by debt collectors.

know all the information in your credit report.

know the name of anyone who received your credit report in the last six months.

a free copy of your credit report when your application is denied credit.

add a summary explanation to your credit report.

not be denied credit based on your race, sex, marital status, religion, age, or national origin. Receipt of public assistance may also not be used against you when applying for credit.

know why you were denied credit.

not be contacted between 9 p.m. and 8 a.m.

not be harassed, oppressed, lied to, or abused by creditors.

refuse contact at work, if your employer disapproves of phone calls that put your job in jeopardy.

How may a debt collector contact you?
A collector may contact you in person, by mail, telephone, telegram, or fax. You can write a letter to stop all contact from the collector. If you do so, by law, the collector can only contact you if he/she is the original creditor who is going to file a lawsuit.

Know your rights! Be prepared and have the knowledge to protect yourself! For more information, please fill out our quote form. There's no obligation!