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Your credit report Your credit card and other debt payment history is recorded in a file or report.

The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.

The Fair Credit Reporting Act (FCRA) is designed to help ensure that CRAs furnish correct and complete information to businesses to use when evaluating your application.

Your rights under the Fair Credit Reporting Act: Your credit billing and electronic fund transfer statements It is important to check credit billing and electronic fund transfer account statements regularly.

You have the right to be treated fairly by debt collectors.

The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts.

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