Consumer Rights - FDCPA-FCRA-Golden Financial Services Consumer Rights
Today Golden Financial Services will discuss consumer rights in regards to credit reporting and debt collection. 

The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) when combined, equal your consumer rights.

Many people in America are unaware of the differences in the two Acts. Unfortunately to understand your consumer rights under these Acts you must read through over 100 pages of confusing documentation. 

In this economy people are often forced to fall behind on their bills.  Not because they want to, but because people have a legitimate hardship.   Just because a person has a hardship and falls behind on their bills, doesn’t give creditors the right to abuse them. 

Then you have people who are looking to use their credit to buy a home, get a credit card or take out a loan.  However their credit score is being negatively affected because of inaccurate information reporting on their credit report. 

One out of four people in America have something inaccurate reporting on one of their credit reports. When equipped with the knowledge that the FCRA lends to you, it is easy to get these items removed.

The same goes for debt collection.  Are you getting harassed by bill collectors at your place of employment? 

The FDCPA teaches you how to put a permanent stop to debt collectors calling you at work. 

The FDCPA protects consumers from abusive debt collectors, while the FCRA ensures the credit reporting agencies report accurate information for consumers in America.

A few topics included in the Fair Credit Reporting Act (FCRA):

–  Learn how to remove inaccurate and derogatory information from your credit report.

–  It is a banks obligation to report accurate information to the credit reporting agencies for consumers.

–  There are many rules about obtaining a person’s credit report for employment purposes.

–  Learn how long information such as a bankruptcy or a collection mark, can stay on your credit report.

–  Learn how to place a fraud or identity theft alert on your credit report, and how to remove these alerts.

Get your full summary now on the FCRA to learn all of your consumer credit rights. Take a quick view of the video before downloading your free summary.

A few important topics included in the Fair Debt Collection Practices Act (FDCPA):

–  Debt collectors can only contact a person’s attorney once notified that a person has an attorney.   When joining on our debt settlement program, this rule applies.

–  A debt collector is not allowed to contact a person at a time that is not convenient for that person.

–  A debt collector cannot contact a person earlier than 8AM or later than 9PM.

–  Debt collectors cannot communicate with consumers by a post card.

Get your full summary now on the FDCPA to learn all of your consumer rights for debt collection.  We also recommend you watch the short video before downloading your free summary.

If you have overwhelming debt that is holding you back in life or causing you stress, you can also get a free quote to see if you qualify for debt relief with Golden Financial Services.