Your Legal Rights:

Thanks to the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Fair and Accurate Credit Transaction Act and Health Insurance Portability and Accountability Act, you have a legal right to verify your credit report and dispute inaccuracies that adversely affect your rating. Because of legislature, creditors and credit bureaus are obligated to produce evidence documenting their claims. If it cannot be validated, undocumented information on the consumer’s credit report must be promptly removed. Creditors and credit reporting agencies are bound by hundreds of federal laws. We hold them responsible to each and every one of them.