Your Credit Rights
Here are brief summaries of some of the most important federal laws governing consumer credit.
The Fair Credit Reporting Act – Protects consumers by limiting the circumstances in which consumer reporting agencies may disclose information about consumers to others, requiring such agencies to adopt reasonable procedures to ensure the maximum possible accuracy in the credit reports they prepare, providing rights to consumers with respect to disputed information, and requiring consumer reporting agencies to provide consumers a copy of their credit file if requested.
The Equal Credit Opportunity Act – Ensures your ability to obtain credit regardless of race, color, religion, national origin, sex, marital status or age (with certain exceptions).
The Fair Credit Billing Act – Asserts that if you receive a bill you believe is in error, and you notify the creditor in writing within sixty (60) days, the creditor must either correct the bill or send you an explanation within ninety (90) days.
The Truth in Lending Act – Requires lenders to disclose all costs and fees associated with extending you credit.
The Fair Credit Debt Collection Act – Prohibits debt collectors from harassing you, and requires that they verify for you the amount owed.
To visit the full text of these documents, go to: www.law.cornell.edu/topics/consumer_credit.html
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Should you have any questions or need further information,
please don’t hesitate to contact me, (775) 220-1630
Or visit my blog at www.SellingNorthernNV.com
Joshua Talayka
Chase International
Office: 775 850 5900
Toll Free: 877 922 5900
Cell: 775 220 1630
Fax: 775 850 5901
985 Damonte Ranch Pkwy, Ste. 110
Reno, Nevada (NV) 89521
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