Credit Repair Act Protects Consumers - Get Free Credit Repair Help

July 18, 2010 - PRLog -- Many years ago congress realized that it was important to change the credit reporting system. Many Innocent people were being scammed by credit bureaus and creditors. The reason was because there was nothing holding them accountable for their actions.

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The Fair Credit Reporting Act was brought about to stop this from happening. Congress took the step to protect the American people from being taken advantage of. The FCR Act allows you specified credit rights by law.

The Fair Credit Reporting Act started it all. It allowed everyone the right to see their credit report for the first time, and at no additional cost. Consumers were then allowed to see their credit record and be able to dispute any misinformation.

The Fair Debt Collection Practices Act protects consumers from being treated badly by creditors. They have the right to not be contacted at inappropriate times, be threatened, yelled at, cursed at, attacked, or be approached by someone who does not identify themselves as a debt collector.

The Fair Credit Billing Act keeps the collection agencies in their proper place. It allows consumers the right to go directly to the original creditor if there is a problem on their report. Creditors will then be able to directly stop reporting false information to the credit bureaus.

These Acts allow consumers to finally have power over their own credit. It gives them validation tools to challenge the system when there is misinformation. Consumers are now able to fix their credit successfully.

The Credit Repair Organizations Act is an Act that protects consumers who need professional help. People with terrible credit need to get it fixed. The best way to restore really bad credit is through professional credit restoration companies.

The CRO Act is there to regulate that credit restoration companies. It keeps the credit restoration companies honest. There are a lot of companies trying to scam their clients, who are desperate for help. This Act makes it illegal for them to scam their clients, and if they do there are severe penalties.

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