Your credit rights are protected by law. Knowing and understanding your rights is beneficial in the event you ever find yourself in a difficult financial situation.

Specifically, if a situation requires you to check the accuracy of your credit report; to obtain additional credit, or if you are being asked for money because of a credit debt you owe. In all cases, you must know your credit options and your rights.

Subscribe to Access This Free Tool: "Your Credit Rights"

Our informative consumer protection tool is available as a free download. Learn how the credit laws were created to protect you.

First, you will see the Fair Credit Reporting Act. Your credit information is confidential and should only be used in certain ways to guard against identity theft.

Find out what to do in the case of a credit reporting error; learn who can receive credit reports, and what consumer reporting agencies are allowed do to with your personal credit information.

Your rights are also protected by the Equal Credit Opportunity Act, which entitles you to credit if you qualify. You cannot be denied on unreasonable grounds or based on discrimination. For example, just because you are a woman, a certain ethnicity, or practice a particular religion, does not mean you can be denied credit for that reason alone.

Discrimination of credit applicants is unlawful and can lead to serious consequences by the offending party. There are several key classes that are protected under the law. These include religion, age, gender, ethnicity and sexual orientation.

You should familiarize yourself with any area of the law that specifically applies to you, just in case a creditor ever denies you credit unlawfully.

Within this free tool you can find out how to contact various credit unions, credit bureaus, in regards to getting credit, seeking credit relief online, or any other credit related question you might have. Get your questions about your credit rights answered today.

Either by phone, letter, or email, you can get all the information you need.

Remember, you should never allow a creditor to intimidate you. You are the reason that person has a job, and you have rights as a consumer.

Learn more by reading through the free tool provided. Protect yourself now and in the future.

» Credit & Charge Cards
What consumers should know about the cost and terms of credit. Provided by the Federal Reserve Board of San Fransisco.

» Building A Better Credit Report
Explains your rights, tells how to legally improve your credit, offers tips on dealing with debt, cautions about credit-related scams and how to avoid them, plus provides other resources. Provided by the Federal Trade Commission.

» Your Credit Report
What your credit report says about you. What type of information is provided on your report, and where do the major three credit reporting agencies get their information? Provided by the Federal Reserve Bank.

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