What Consumer Rights Do we Utilize
As an Attorney – Advised Credit Service Organization, the focus of our legal department and management team is to place an extreme importance on utilizing every known consumer right available to maximize service effectiveness in our continuous pursuit of credit accuracy for each consumer.
CreditServices.com utilizes the CFPB to ensure creditors and Bureaus are fully complying with the regulations detailing the FCRA, FCBA and the FDCPA just to name a few. Our team utilizes the CFPB’s current regulatory enforcement against the creditors and bureaus to ensure they are legally and accurately reporting our consumer’s information 100% free of error.
CreditServices.com will utilize the FCRA in determining if the consumer was notified if information in their file was used against them, making sure each consumer receives their score upon request, overseeing their right to know what is in their credit file, and of course, fully utilizing the consumer right to dispute incomplete or inaccurate information in their file. These are just a few areas in the FCRA that were developed to protect the consumer.
CreditServices.com utilizes the FCBA by ensuring creditors: Accurately correct billing errors defined in the FCBA, Making sure creditors are not threatening in any way that would violate the FCBA, Verifying the correct billing period, and Overseeing there are no tie-in services and offsets. These are just a few items exercised for our consumer base.
CreditServices.com uses ECOA in events where consumers request verification under a protective ECOA rule. ECOA ensures creditors are not discriminating on race, sex, age, national origin or marital status. ECOA protects against unbalanced variations in history and creditor approvals and denials.
CreditServices.com utilizes the FDCPA to ensure that collectors pay for abusive collection practices defined as unacceptable or prohibited by that regulation. Our Credit Advisors encounter these situations frequently, and are able to identify potential violations. CreditServices.com has a network of consumer rights attorneys that specialize in FDCPA violations, who may be able to negotiate a settlement payment on the consumer’s behalf. CreditServices.com’s attorney network is a select group, chosen for their reputation and past successes.
CreditServices.com ensure that all clients are aware of their rights under FACTA, including the right to obtain a free credit report once every twelve months from each of the three nationwide consumer credit reporting companies. FACTA rights are crucial to ensuring consumers monitor their successes with CreditServices.com, as well as their credit status in general.
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