Your credit rights are protected by law. Knowing and understanding these rights can be beneficial to you in many ways, should you ever find yourself in a difficult financial situation.

Specifically, if the 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.

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

This informative tool is available as a free download that has all the credit acts listed, with details on how these laws protect you.

First, you will see the Fair Credit Reporting Act. You may already be aware that your credit information is confidential, and should only be used in a controlled manner so as to keep identity theft at a minimum.

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

Your rights also include the Equal Credit Opportunity Act, which entitles you to credit if you qualify. You cannot be denied on unreasonable grounds. For example, just because you are a woman does not mean you can be denied credit for that reason alone. Or, just because you happen to be a Baptist a company cannot deny you credit for that reason.

Discrimination of credit applicants is unlawful and can lead to serious consequences by the offending party. There are many different factors that are protected under the law. Protected segments include religion, age, gender, and several others.

You should familiarize yourself with items that apply to you, just in case a creditor ever denies you credit or otherwise performs an offensive action in relation to your credit.

There is a lot of extra information to be had, and within this free tool, you can find out how to contact various credit unions, credit bureaus, and get other questions you might have about your credit rights answered.

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

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

Learn more by reading through the free tool provided and better understand your rights to 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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