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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               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| Facts                         for ConsumersPDF Version
Building A Better Credit Record 

Newspapers, radio, TV and the Internet                           are filled with advertisements that offer-for a fee-to                           erase accurate negative information in your credit file.                           The scam artists who run these ads can't deliver. Only                           time, a deliberate effort, and a plan to repay your                           bills will improve your credit record. This publication                           is designed to help you understand and legally improve                           your credit report. This publication has five sections:

Section                           1: Explains how consumer reporting agencies work                           and your rights under the Fair Credit Reporting Act.

Section                           2: Explains how you can legally improve your credit                           report. 

Section                           3: Offers tips on dealing with debt. 

Section                           4: Cautions you about credit-related scams and how                           to avoid them. 

Section                           5: Lists resources for additional information.

Consumer Reporting                           Agencies

If you've ever applied for a credit                           card, a personal loan, or insurance, there's a file                           about you. This file contains information on where you                           work and live, how you pay your bills, and whether you've                           been sued, arrested, or filed for bankruptcy.

Companies that gather and sell this                           information are called Consumer Reporting Agencies (CRAs).                           The most common type of CRA is the credit bureau. The                           information CRAs sell about you to creditors, employers,                           insurers, and other businesses is called a consumer                           report.

The Fair                           Credit Reporting Act (FCRA)                          The FCRA is designed to promote accuracy and ensure                           the privacy of information used in consumer reports.                           Recent amendments to the Act expand your rights and                           place additional requirements on CRAs. Businesses that                           supply information about you to CRAs and those that                           use consumer reports also have new responsibilities                           under the law.

Here are some questions consumers                           commonly ask about consumer reports and CRAs-and the                           answers.

**Q. How do I find the CRA                             that has my report?**                            A. Contact the CRAs listed in the Yellow Pages under                             "credit" or "credit rating and reporting."                             Because more than one CRA may have a file on you,                             call each until you have located all the agencies                             maintaining your file. The three major credit bureaus                             are:
Equifax                                  1-800-685-1111www.equifax.comExperian                                  1-888-EXPERIAN (397-3742)www.experian.comTrans Union                                  1-800-916-8800www.transunion.com
In addition, anyone who takes action                             against you in response to a report supplied by a                             CRA-such as denying your application for credit, insurance,                             or employment-must give you the name, address, and                             telephone number of the CRA that provided the report.

**Q. Do I have a right to                             know what's in my report?**                            A. Yes, if you ask for it. The CRA must tell you everything                             in your report, including medical information, and                             in most cases, the sources of the information. The                             CRA also must give you a list of everyone who has                             requested your report within the past year-two years                             for employment related requests.

**Q. Is there a charge for                             my report?**                            A. Sometimes. There's no charge if a company takes                             adverse action against you, such as denying your application                             for credit, insurance or employment, and you request                             your report within 60 days of receiving the notice                             of the action. The notice will give you the name,                             address, and phone number of the CRA. In addition,                             you're entitled to one free report a year if you certify                             in writing that (1) you're unemployed and plan to                             look for a job within 60 days, (2) you're on welfare,                             or (3) your report is inaccurate because of fraud.                             Otherwise, a CRA may charge you up to $9.00 for a                             copy of your report.

Even if you have not been denied                             credit, you may want to find out what information                             is in your credit report. Some financial advisors                             suggest that you review your credit report periodically                             for inaccuracies or omissions. This could be especially                             important if you're considering a major purchase,                             such as buying a home or a car. Checking in advance                             on the accuracy of the information in your credit                             report could speed the credit-granting process.

**Q. What type of information                             do credit bureaus collect and sell?**                            A. Credit bureaus collect and sell four basic types                             of information.

Identification                           and employment informationYour name, birth date, Social Security number,                           employer, and spouse's name are routinely noted. The                           CRA also may provide information about your employment                           history, home ownership, income, and previous address,                           if a creditor requests this type of information.

Payment                           history                          Your accounts with different creditors are listed, showing                           how much credit has been extended and whether you've                           paid on time. Related events, such as referral of an                           overdue account to a collection agency, may also be                           noted.

Inquiries                          CRAs must maintain a record of all creditors who have                           asked for your credit history within the past year,                           and a record of those persons or businesses requesting                           your credit history for employment purposes for the                           past two years.

Public record                           information                          Events that are a matter of public record, such as bankruptcies,                           foreclosures, or tax liens, may appear in your report.                         

Improving                           Your Credit Report

Under the law, both the CRA and the                           organization that provided the information to the CRA,                         

such as a bank or credit card company,                           have responsibilities for correcting inaccurate or incomplete                           information in your report. To protect all your rights                           under the law, contact both the CRA and the information                           provider if you have a dispute.

 First, tell the CRA in writing what                           information you believe is inaccurate. Include copies                           (not originals) of documents that support your position.                           In addition to providing your complete name and address,                           your letter should clearly identify each item in your                           report you dispute, state the facts and explain why                           you dispute the information, and request deletion or                           correction. You may want to enclose a copy of your report                           with the items in question circled. Your letter may                           look something like the one below. Send your letter                           by certified mail, return receipt requested, so you                           can document what the CRA received. Keep copies of your                           dispute letter and enclosures.

**Date                                Your Name                                Your Address                                Your City, State, Zip Code**

**Complaint Department                                Name of Credit Reporting Agency                                Address                                City, State, Zip Code**

Dear Sir or Madam:

I am writing to dispute the                                 following information in my file. The items I                                 dispute also are encircled on the attached copy                                 of the report I received.

This item (identify item(s)                                 disputed by name of source, such as creditors                                 or tax court, and identify type of item, such                                 as credit account, judgment, etc.) is (inaccurate                                 or incomplete) because (describe what is inaccurate                                 or incomplete and why). I am requesting that the                                 item be deleted (or request another specific change)                                 to correct the information.

Enclosed are copies of (use                                 this sentence if applicable and describe any enclosed                                 documentation, such as payment records, court                                 documents) supporting my position. Please reinvestigate                                 this (these) matter(s) and (delete or correct)                                 the disputed item(s) as soon as possible.

Sincerely,                                Your name

 

**Enclosures: (List what                                 you are enclosing)**

 
- CRAs must reinvestigate the item(s) in question-usually                             within 30 days-unless they consider your dispute frivolous.                             They also must forward all relevant data you provide                             about the dispute to the information provider. After                             the information provider receives notice of a dispute                             from the CRA, it must investigate, review all relevant                             information provided by the CRA, and report the results                             to the CRA. If the information provider finds the                             disputed information to be inaccurate, it must notify                             all nationwide CRAs so that they can correct this                             information in your file. 
- Disputed information that cannot be verified must                             be deleted from your file.                                - If your report contains inaccurate information,                                 the CRA must correct it. 
If an item is incomplete, the CRA must complete                               it. For example, if your file showed that you were                               late making payments, but failed to show that you                               were no longer delinquent, the CRA must show that                               your payments are now current.
If your file shows an account that belongs only                               to another person, the CRA must delete it.

- When the reinvestigation is complete, the CRA must                             give you the written results and a free copy of your                             report if the dispute results in a change. If an item                             is changed or removed, the CRA cannot put the disputed                             information back in your file unless the information                             provider verifies its accuracy and completeness, and                             the CRA gives you a written notice of its intent to                             reinsert the items that includes the name, address,                             and phone number of the provider.
- If you request, the CRA must send notices of any                             correction to anyone who received your report in the                             past six months. You can have a corrected copy of                             your report sent to anyone who received a copy during                             the past two years for employment purposes. If a reinvestigation                             does not resolve your dispute, ask the CRA to include                             your statement of the dispute in your file and in                             future reports.
- In addition to writing to the CRA, you should tell                             the creditor or other information provider in writing                             that you dispute an item. Be sure to include copies                             (not originals) of documents that support your position.                             Many providers specify an address for disputes. If                             the provider continues to report the disputed item                             to any CRA after receiving your notice, it must include                             a notice that you dispute the item. If you are correct-that                             is, if the information is not accurate-the information                             provider may not report it again.

Accurate                           Negative Information                          When negative information in your report is accurate,                           only the passage of time can assure its removal. Accurate                           negative information generally can stay on your report                           for seven years. There are certain exceptions:
- Bankruptcy information may be reported for 10 years.
- Credit information reported in response to an application                             for a job with a salary of more than $75,000 has no                             time limit.
- Information about criminal convictions has no time                             limit.
- Credit information reported because of an application                             for more than $150,000 worth of credit or life insurance                             has no time limit.
- Default information concerning U.S. Government insured                             or guaranteed student loans can be reported for seven                             years after certain guarantor actions.
- Information about a lawsuit or an unpaid judgment                             against you can be reported for seven years or until                             the statute of limitations runs out, whichever is                             longer.

Seven-year                           Reporting Period                          There is a standard method for calculating the seven-year                           reporting period. Generally, the period runs from the                           date that the event took place.

With regard to any delinquent account                           placed for collection-internally or by referral to a                           third-party debt collector, whichever is earlier-charged                           to profit and loss, or subjected to any similar action,                           the seven-year period is calculated from the date of                           the delinquency that occurred immediately before the                           collection activity, charge to profit and loss, or similar                           action. For example, assume that your payments on a                           loan were late in January, but that you caught up in                           February. You were late again in May, but caught up                           in July. You were again late in September, but did not                           catch up before the account was turned over to a collection                           agency in December. You made no more payments on the                           account, and it is charged to profit and loss in July                           of the following year.

Under the FCRA, the January and May                           late payments each can be reported for seven years.                           The collection activity and the charge to profit and                           loss can be reported for seven years from the date of                           the September payment, which was the delinquency that                           occurred immediately before those activities.

Adding Accounts                           to Your File                          Your credit file may not reflect all your credit accounts.                           Although most national department store and all-purpose                           bank credit card accounts will be included in your file,                           not all creditors supply information to CRAs: Some travel,                           entertainment, gasoline card companies, local retailers,                           and credit unions are among those creditors that don't.

If you've been told that you were                           denied credit because of an "insufficient credit                           file" or "no credit file" and you have                           accounts with creditors that don't appear in your credit                           file, ask the CRA to add this information to future                           reports. Although they are not required to do so, many                           CRAs will add verifiable accounts for a fee. However,                           understand that if these creditors do not report to                           the CRA on a regular basis, the added items will not                           be updated in your file.

Dealing                           with Debt

Are you having trouble paying your                           bills? Are you getting dunning notices from creditors?                           Are your accounts being turned over to debt collectors?                           Are you worried about losing your home or your car?

You're not alone. Many people face                           financial crises at some time in their lives. Whether                           the crisis is caused by personal or family illness,                           the loss of a job, or simple overspending, it can seem                           overwhelming, but often can be overcome. The fact of                           the matter is that your financial situation doesn't                           have to go from bad to worse.

If you or someone you know is in financial                           hot water, consider these options: realistic budgeting,                           credit counseling from a reputable organization, debt                           consolidation, or bankruptcy. How do you know which                           will work best for you? It depends on your level of                           debt, your level of discipline, and your prospects for                           the future.

Self-Help                          Developing a Budget                          The first step toward taking control of your financial                           situation is to do a realistic assessment of how much                           money comes in and how much money you spend. Start by                           listing your income from all sources. Then, list your                           "fixed" expenses-those that are the same each                           month-such as your mortgage payments or your rent, car                           payments, or insurance premiums. Next, list the expenses                           that vary, such as entertainment, recreation, or clothing.                           Writing down all your expenses-even those that seem                           insignificant-is a helpful way to track your spending                           patterns, identify the expenses that are necessary,                           and prioritize the rest. The goal is to make sure you                           can make ends meet on the basics: housing, food, health                           care, insurance, and education.

Your public library has information                           about budgeting and money management techniques. Low                           cost budget counseling services that can help you analyze                           your income and expenses and develop a budget and spending                           plan also are available in most communities. Check your                           Yellow Pages or contact your local bank or consumer                           protection office for information about them. In addition,                           many universities, military bases, credit unions, and                           housing authorities operate nonprofit financial counseling                           programs.

Contacting                           Your Creditors                          Contact your creditors immediately if you are having                           trouble making ends meet. Tell them why it's difficult                           for you, and try to work out a modified payment plan                           that reduces your payments to a more manageable level.                           Don't wait until your accounts have been turned over                           to a debt collector. At that point, the creditors have                           given up on you.

Dealing                           with Debt Collectors                          The Fair Debt Collection Practices Act is the federal                           law that dictates how and when a debt collector may                           contact you. A debt collector may not call you before                           8 a.m., after 9 p.m., or at work if the collector knows                           that your employer doesn't approve of the calls. Collectors                           may not harass you, make false statements, or use unfair                           practices when they try to collect a debt. Debt collectors                           must honor a written request from you to stop further                           contact.

Credit Counseling                          If you aren't disciplined enough to create a workable                           budget and stick to it, can't work out a repayment plan                           with your creditors, or can't keep track of mounting                           bills, consider contacting a credit counseling service.                           Your creditors may be willing to accept reduced payments                           if you enter into a debt repayment plan with a reputable                           organization. In these plans, you deposit money each                           month with the credit counseling service. Your deposits                           are used to pay your creditors according to a payment                           schedule developed by the counselor. As part of the                           repayment plan, you may have to agree not to apply for-or                           use-any additional credit while you're participating                           in the program.

A successful repayment plan requires                           you to make regular, timely payments, and could take                           48 months or longer to complete. Ask the credit counseling                           service for an estimate of the time it will take you                           to complete the plan. Some credit counseling services                           charge little or nothing for managing the plan; others                           charge a monthly fee that could add up to a significant                           charge over time. Some credit counseling services are                           funded, in part, by contributions from creditors.

While a debt repayment plan can eliminate                           much of the stress that comes from dealing with creditors                           and overdue bills, it does not mean you can forget about                           your debts. You still are responsible for paying any                           creditors whose debts are not included in the plan.                           You are responsible for reviewing monthly statements                           from your creditors to make sure your payments have                           been received. If your repayment plan depends on your                           creditors agreeing to lower or eliminate interest and                           finance charges, or waive late fees, you are responsible                           for making sure these concessions are reflected on your                           statements.

A debt repayment plan does not erase                           your negative credit history. Accurate information about                           your accounts can stay on your credit report for up                           to seven years. In addition, your creditors will continue                           to report information about accounts that are handled                           through a debt repayment plan. For example, creditors                           may report that an account is in financial counseling,                           that payments have been late or missed altogether, or                           that there are write-offs or other concessions. A demonstrated                           pattern of timely payments, however, will help you get                           credit in the future.

Auto and                           Home Loans                          Debt repayment plans usually cover unsecured debt. Your                           auto and home loan, which are considered secured debt,                           may not be included. You must continue to make payments                           to these creditors directly.

Most automobile financing agreements                           allow a creditor to repossess your car any time you're                           in default. No notice is required. If your car is repossessed,                           you may have to pay the full balance due on the loan,                           as well as towing and storage costs, to get it back.                           If you can't do this, the creditor may sell the car.                           If you see default approaching, you may be better off                           selling the car yourself and paying off the debt: You                           would avoid the added costs of repossession and a negative                           entry on your credit report.

If you fall behind on your mortgage,                           contact your lender immediately to avoid foreclosure.                           Most lenders are willing to work with you if they believe                           you're acting in good faith and the situation is temporary.                           Some lenders may reduce or suspend your payments for                           a short time. When you resume regular payments, though,                           you may have to pay an additional amount toward the                           past due total. Other lenders may agree to change the                           terms of the mortgage by extending the repayment period                           to reduce the monthly debt. Ask whether additional fees                           would be assessed for these changes, and calculate how                           much they total in the long run.

If you and your lender cannot work                           out a plan, contact a housing counseling agency. Some                           agencies limit their counseling service to homeowners                           with FHA mortgages, but many offer free help to any                           homeowner who's having trouble making mortgage payments.                           Call the local office of the Department of Housing and                           Urban Development (HUD) or the housing authority in                           your state, city, or county for help in finding a housing                           counseling agency near you.

Debt Consolidation                          You may be able to lower your cost of credit by consolidating                           your debt through a second mortgage or a home equity                           line of credit. Think carefully before taking this on.                           These loans require your home as collateral. If you                           can't make the payments-or if the payments are late-you                           could lose your home.

The costs of these consolidation loans                           can add up. In addition to interest on the loan, you                           pay "points." Typically, one point is equal                           to one percent of the amount you borrow. Still, these                           loans may provide certain tax advantages that are not                           available with other kinds of credit.

Bankruptcy                          Personal bankruptcy generally is considered the debt                           management tool of last resort because the results are                           long-lasting and far-reaching. A bankruptcy stays on                           your credit report for 10 years, making it difficult                           to acquire credit, buy a home, get life insurance, or                           sometimes get a job. However, it is a legal procedure                           that offers a fresh start for people who can't satisfy                           their debts. Individuals who follow the bankruptcy rules                           receive a discharge-a court order that says they do                           not have to repay certain debts.

There are two primary types of personal                           bankruptcy: Chapter 13 and Chapter 7. Each must be filed                           in federal bankruptcy court. The current fees for seeking                           bankruptcy relief are $160: a filing fee of $130 and                           an administrative fee of $30. Attorney fees are additional                           and can vary widely. The consequences of bankruptcy                           are significant and require careful consideration.

Chapter 13 allows you, if you have                           a regular income and limited debt, to keep property,                           such as a mortgaged house or car, that you otherwise                           might lose. In Chapter 13, the court approves a repayment                           plan that allows you to pay off a default during a period                           of three to five years, rather than surrender any property.

Chapter 7, known as straight bankruptcy,                           involves liquidating all assets that are not exempt.                           Exempt property may include cars, work-related tools                           and basic household furnishings. Some property may be                           sold by a court-appointed official-a trustee-or turned                           over to creditors. You can receive a discharge of your                           debts under Chapter 7 only once every six years.

Both types of bankruptcy may get rid                           of unsecured debts and stop foreclosures, repossessions,                           garnishments, utility shut-offs, and debt collection                           activities. Both also provide exemptions that allow                           you to keep certain assets, although exemption amounts                           vary. Personal bankruptcy usually does not erase child                           support, alimony, fines, taxes, and some student loan                           obligations. Also, unless you have an acceptable plan                           to catch up on your debt under Chapter 13, bankruptcy                           usually does not allow you to keep property when your                           creditor has an unpaid mortgage or lien on it.

Avoiding                           Scams

Turning to a business that offers                           help in solving debt problems may seem like a reasonable                           solution when your bills become unmanageable. Be cautious.                           Before you do business with any company, check it out                           with your local consumer protection agency or the Better                           Business Bureau in the company's location.

Ads Promising Debt Relief May Be                           Offering Bankruptcy

Consumer debt is at an all-time high.                           What's more, a record number of consumers-nearly 1.5                           million in 2001-are filing for bankruptcy. Whether your                           debt dilemma is the result of an illness, unemployment,                           or overspending, it can seem overwhelming. In your effort                           to get solvent, be on the alert for advertisements that                           offer seemingly quick fixes. While the ads pitch the                           promise of debt relief, they rarely say relief may be                           spelled b-a-n-k-r-u-p-t-c-y. And although bankruptcy                           is one option to deal with financial problems, it's                           generally considered the option of last resort. The                           reason: it has a long-term negative impact on your creditworthiness.                           A bankruptcy stays on your credit report for 10 years,                           and can hinder your ability to get credit, a job, insurance,                           or even a place to live.

The Federal Trade Commission (FTC)                           cautions consumers to read between the lines when faced                           with ads in newspapers, magazines, or even telephone                           directories that say:

**"Consolidate                                 your bills into one monthly                                payment without borrowing"**

**"STOP                                 credit harassment, foreclosures,                                 repossessions, tax levies and garnishments"**

**"Keep                                 Your Property"**

**"Wipe                                 out your debts! Consolidate your bills! How?                                By using the protection and assistance provided                                 by federal law. For once, let the law work for                                 you!"**

You'll find out later that such phrases                           often involve bankruptcy proceedings, which can hurt                           your credit and cost you attorneys' fees.

Advance-Fee                           Loan Scams                          These scams often target consumers with credit problems                           or consumers who have difficulty getting credit. In                           exchange for an up-front fee, these companies guarantee                           that applicants will get the credit they want-usually                           a credit card or a personal loan.

The up-front fee may range from $100                           to several hundred dollars. Resist the temptation to                           follow up on advance-fee loan guarantees. They may be                           illegal. Many legitimate creditors offer extensions                           of credit, such as credit cards, loans, and mortgages,                           through telemarketing and require an application fee                           or appraisal fee in advance. But legitimate creditors                           never guarantee in advance that you'll get the loan.                           Under the federal Telemarketing Sales Rule, a seller                           or telemarketer who guarantees or represents a high                           likelihood of your getting a loan or some other extension                           of credit may not ask for or receive payment until you've                           received the loan.

Recognizing                           an Advance-Fee Loan Scam                          There are many fraudulent loan brokers and other individuals                           misrepresenting the availability of credit and credit                           terms. One of their favorite strategies is the "advance-fee"                           loan scam. That's where they claim to guarantee that                           they can get a loan or other type of credit for you-but                           you must pay a fee before you apply.

Ads for advance-fee loans often appear                           in the classified ad section of local and national newspapers                           and magazines. They also may appear in mailings, radio                           spots, and on local cable stations. Often, these ads                           feature "900" numbers, which result in charges                           on your phone bill. In addition, these companies often                           use delivery systems other than the U.S. Postal Service,                           such as overnight or courier services, to avoid detection                           and prosecution by postal authorities.

Don't confuse a legitimate credit                           offer with an advance-fee loan scam. An offer for credit                           from a bank, savings and loan, or mortgage broker generally                           requires your verbal or written acceptance of the loan                           or credit offer. The offer usually is subject to a check                           of your credit report after you apply to make sure you                           meet their credit standards. You are usually not required                           to pay a fee in order to get the credit.

Be suspicious of anyone who calls                           you on the phone and says they can guarantee you will                           get a loan if you pay in advance. Hang up. It's against                           the law.

Protecting                           Yourself                          Here are some points to keep in mind before you respond                           to ads that promise easy credit, regardless of your                           credit history:

Most legitimate lenders will not "guarantee"                           that you will get a loan or a credit card before you                           apply, especially if you have bad credit, or a bankruptcy.

It is an accepted and common practice                           for reputable lenders to require payment for a credit                           report or appraisal. You also may have to pay a processing                           or application fee.

Never give your credit card account                           number, bank account information, or Social Security                           number out over the telephone unless you are familiar                           with the company and know why the information is necessary.

Credit Repair                           Scams                          You see the ads in newspapers, on TV, and on the Internet.                           You hear them on the radio. You get fliers in the mail.                           You may even get calls from telemarketers offering credit                           repair services. They all make the same claims:

**"Credit                                 problems? No problem!"**

**"We                                 can erase your bad credit-100% guaranteed."**

**"Create                                 a new credit identity-legally."**

**"We                                 can remove bankruptcies, judgments, liens, and                                 bad loans from your credit file forever!"**

 

Do yourself a favor and save some                           money too. Don't believe these statements. Only time,                           a conscientious effort, and a plan for repaying your                           debt will improve your credit report.

The Scam                          Every day, companies nationwide appeal to consumers                           with poor credit histories. They promise, for a fee,                           to clean up your credit report so you can get a car                           loan, a home mortgage, insurance, or even a job. The                           truth is, they can't deliver. After you pay them hundreds                           or thousands of dollars in up-front fees, these companies                           do nothing to improve your credit report; many simply                           vanish with your money.

The Warning                           Signs                          If you decide to respond to a credit repair offer, beware                           of companies that:
- want you to pay for credit repair services before                             any services are provided;
- do not tell you your legal rights and what you can                             do-yourself-for free;
- recommend that you not contact a credit bureau directly;
- suggest that you try to invent a "new"                             credit report by applying for an Employer Identification                             Number to use instead of your Social Security number;                             or
- advise you to dispute all information in your credit                             report or take any action that seems illegal, such                             as creating a new credit identity. If you follow illegal                             advice and commit fraud, you may be subject to prosecution.

You could be charged and prosecuted                           for mail or wire fraud if you use the mail or telephone                           to apply for credit and provide false information. It's                           a federal crime to make false statements on a loan or                           credit application, to misrepresent your Social Security                           number, and to obtain an Employer Identification Number                           from the Internal Revenue Service under false pretenses.

The Credit                           Repair Organizations Act                          By law, credit repair organizations must give you a                           copy of the "Consumer Credit File Rights Under                           State and Federal Law" before you sign a contract.                           They also must give you a written contract that spells                           out your rights and obligations. Read these documents                           before signing the contract. The law contains specific                           consumer protections. For example, a credit repair company                           cannot:
- make false claims about their services;
- charge you until they have completed the promised                             services; or 
- perform any services until they have your signature                             on a written contract and have completed a three-day                             waiting period. During this time, you can cancel the                             contract without paying any fees.

Your contract must specify:
- the payment for services, including their total                             cost;
- a detailed description of the services to be performed;
- how long it will take to achieve the results;
- any guarantees they offer; and
- the company's name and business address.

If                           You Are A Victim - Where to Complain

If you've had a problem with any of                           the scams described here, contact your local consumer                           protection agency, state Attorney General (AG), or Better                           Business Bureau. Many AGs have toll-free consumer hotlines.                           Check with your local directory assistance.

For More Information

The Federal Trade Commission enforces                           a number of credit laws and provides consumers with                           free information about them:
- The  Equal                             Credit Opportunity Act  prohibits the denial of                             credit because of your sex, race, marital status,                             religion, national origin, age, or because you receive                             public assistance.
- The                              Fair Credit Reporting Act  gives you the right                             to learn what information is being distributed about                             you by credit reporting agencies.
- The Truth in Lending Act requires lenders to give                             you written disclosures of the cost of credit and                             terms of repayment before you enter into a credit                             transaction.
- The  Fair                             Credit Billing Act  establishes procedures for                             resolving billing errors on your credit card accounts.
- The  Fair                             Debt Collection Practices Act  prohibits debt collectors                             from using unfair or deceptive practices to collect                             overdue bills that your creditor has forwarded for                             collection.

The FTC works for the consumer to prevent fraudulent, deceptive   and unfair business practices in the marketplace and to provide information   to help consumers spot, stop, and avoid them. To file a    complaint or to get free   information on consumer issues, visit www.ftc.gov   or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The   FTC enters Internet, telemarketing, identity theft, and other fraud-related   complaints into    Consumer Sentinel, a secure, online database available to hundreds of civil   and criminal law enforcement agencies in the U.S. and abroad.
July                           2002 |
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