Ur Credit Specialist

01/01/2026

12/06/2023

The Federal Trade Commission is launching a claims process for consumers harmed by Credit Karma’s practice of misrepresenting that consumers were “pre-approved”

06/14/2023

My buddy Dave!

12/21/2022

Here is another Federal Law which gives you rights you may not know you have…

FACTA

What Is the Fair and Accurate Credit Transactions Act (FACTA)?
The Fair and Accurate Credit Transactions Act (FACTA) is a federal law enacted by the United States Congress in 2003. Its stated purpose was to enhance consumer protections, particularly in relation to identity theft.

The most well-known feature of the Act is that it gave all citizens of the U.S. free access to their credit reports once per year through the website www.annualcreditreport.com.

Some common examples of FACTA violations involve businesses printing more than five digits of a credit card number on a receipt, or printing any portion of the expiration date. Businesses are also required to securely dispose of any records that contain sensitive identifying information.

ACR Home Page

11/22/2022

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09/24/2022

Fair Debt Collection Practices Act
(FDCPA)

15 U.S.C. 1692d
Harassment or Abuse

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

DISCLAIMER: I am NOT a lawyer or giving legal advice. I am simply pointing out laws in the FDCPA.

09/23/2022

Fair Debt Collection Practices Act
(FDCPA)
15 U.S. Code § 1692b - Acquisition of location information

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall—
(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;
(2) not state that such consumer owes any debt;
(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;
(4) not communicate by post card;
(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

DISCLAIMER: I am NOT a lawyer or giving legal advice. I am simply pointing out laws in the FDCPA.

09/21/2022

Fair Debt Collection Practices Act

15 U.S.C. 1692(c)
Communication in connection with debt collection

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with the collection of any debt—

DISCLAIMER: I am NOT a lawyer or giving legal advice. I am simply pointing out laws in the FDCPA.

09/19/2022

Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874,
15 USC 1692

approved on September 20, 1977 (and as subsequently amended) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute's stated purposes are: to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy.[1] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act.[2] It is sometimes used in conjunction with the Fair Credit Reporting Act.[3][4]

09/17/2022

FTC, CFPB Submit Amicus Brief Defending Consumers’ Ability to Dispute Inaccurate Items on Credit Reports

Brief Calls for Reversing Lower Court Ruling in Ingram v. Experian that Allows Furnishers to Ignore their Duty to Investigate Disputes