Credit Reports
From Consumer Wiki
Cicjscribner (Talk | contribs) (Created page with '{| align="center" border = 0 ! |- | {| border = 0 cellpadding="20" cellspacing="0" |- | <h4 align="center"><big>CREDIT REPORTS</big><br /></h4> | go back |- |} |- |} <p…') |
Cicjscribner (Talk | contribs) |
||
| (One intermediate revision not shown) | |||
| Line 1: | Line 1: | ||
| + | <p>[[File:Whitebox.jpg|810-Federal Trade Commission|link=_Hint]]</p> | ||
| + | |||
{| align="center" border = 0 | {| align="center" border = 0 | ||
! | ! | ||
| Line 6: | Line 8: | ||
|- | |- | ||
| <h4 align="center"><big>CREDIT REPORTS</big><br /></h4> | | <h4 align="center"><big>CREDIT REPORTS</big><br /></h4> | ||
| - | | [[ | + | | [[C|go back]] |
|- | |- | ||
|} | |} | ||
| Line 18: | Line 20: | ||
| - | '''Federal Trade Commission'''<br> | + | '''<font color="#4AA02C">Federal Trade Commission</font color="#4AA02C">'''<br> |
| - | Consumer Response Center<br> | + | '''Consumer Response Center'''<br> |
600 Pennsylvania Avenue, North West<br> | 600 Pennsylvania Avenue, North West<br> | ||
Washington, DC 20580<br> | Washington, DC 20580<br> | ||
| Line 27: | Line 29: | ||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
| - | |||
<p>[[file:green_arrow.jpg|link=http://www.dca.ca.gov/publications/guide/index.shtml|Consumer Resource & Referral Guide]] | <p>[[file:green_arrow.jpg|link=http://www.dca.ca.gov/publications/guide/index.shtml|Consumer Resource & Referral Guide]] | ||
Latest revision as of 19:10, 8 March 2011
|
The Federal Trade Commission (FTC) enforces the Federal Fair Credit Reporting Act, which sets guidelines for credit reporting, disclosure limits, and protection available to consumer. If credit-reporting agency violates a consumer's right, the FTC may initiate investigation of company, if there are other similar complaints (if warranted); however, the FTC does not mediate individual complaints.
By law, credit reporting agencies can retain negative data on an individual's credit history up to seven years, and information about bankruptcies remains for ten years. A credit repair company cannot remove records or establish a new credit identity for an individual. If a consumer's incorrect credit history has been corrected, a letter should be permanently placed in that file to prove the correction was made.
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, North West
Washington, DC 20580
(877) 382-4357
www.ftc/gov
Consumer Resource & Referral Guide
Directory of State Agencies
Directory of Federal Agencies
Return to DCA Home Page
