Legal Protection
Consumer Rights Center
The foundation of our platform is built on federal law. Knowing your rights is the first step to taking control of your financial future.
FCRA
Fair Credit Reporting Act
The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
- Right to know what is in your file.
- Right to dispute incomplete or inaccurate info.
- Bureaus must correct or delete inaccurate info.
- Right to block identity theft items (15 USC §1681c-2).
FDCPA
Fair Debt Collection Practices Act
The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
- Protection from harassment and abuse.
- Restrictions on when/how they can contact you.
- Right to demand debt validation.
- Right to request they cease communication.
FCBA
Fair Credit Billing Act
The FCBA protects consumers from unfair billing practices and provides a mechanism for addressing billing errors.
- Right to dispute unauthorized charges.
- Protection against charges for unaccepted goods.
- Creditors must acknowledge disputes in 30 days.
- Creditors must resolve disputes in 2 billing cycles.
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