GIVE YOURSELF SOME CREDIT
Whether you want to know your current credit score, protect your credit, get a loan or apply for a credit card. We are here to help you get it done – quickly, correctly and securely.
Establishing and maintaining good credit is an important part of financial planning. Typically most individuals do not have enough money for emergencies, or to make major purchases such as a home, car, or college education.
Accessing credit has become an important part of our lives. Most creditors rely heavily on your credit reports for granting loans. Knowing what is on your credit reports and how to build and repair your credit is an important step to taking control of your finances.
Your Debts & Debt Collectors
You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “
Debt Collector”. A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. 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. This includes money you owe for the purchase of a car, for medical care, or for charge accounts. The
FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts. Under the Fair Debt Collection Practices Act:
- Debt collectors may contact you only between 8 a.m. and 9 p.m.
- Debt collectors may not contact you at work if they know your employer disapproves. Debt collectors may not harass, oppress, or abuse you.
- Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.
- Debt collectors must identify themselves to you on the phone.
- Debt collectors must stop contacting you if you ask them to do so in writing.
For details, see
Fair Debt Collection at ftc.gov/credit.
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