It is easier to protect and repair your credit when you know your rights. Take time to read the following:
FAIR CREDIT REPORTING ACT(FCRA) is intended to ensure the accuracy and fairness of the credit reporting system.
THE EQUAL CREDIT OPPORTUNITY ACT(ECOA) prohibits discrimination in credit transactions for a variety of factors(including race,color,sex,religion, and sexual orientation)also makes it illegal to discriminate against you because you have exercised your rights under the FCRA.
THE FAIR CREDIT BILLING ACT which establishes procedures for correcting errors on credit cards and similar accounts.
THE FAIR DEBT COLLECTION PRACTICES ACT(FDCPA) which establishes regulations for debt collection.
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