Credit Information Reports

As a credit attorney, I spend a lot of time reading Government reports, consumer protection studies, congressional hearing testimony transcripts, and transcripts of law suit depositions of credit bureau employees.

I particularly find the credit bureau employees’ transcripts to be of significant value in providing a behind the scenes look at how they operate and use your personal credit information. It also provides sworn evidence of how the big 3 credit bureaus gather and report your credit information, process credit disputes, and market your personal data.

We then use much of this data in developing our credit improvement processes to compel the credit bureaus, creditors, and collection companies to comply with the credit laws that protect your credit rights, when selling your credit information.

Of course we don’t expect you to read all of the reports listed. However, they are available for your review and verification of the authenticity of the credit information we provide on our site.

As always, we encourage you to get credit information and decide for yourself who to trust to help legally improve your credit!

Relevant Articles

FTC Study on Credit Reporting

Fair Credit Reporting Act-How It Functions For Consumers and the Economy

2006 FTC Report To Congress On FCRA

Borrower On Hold

Consumer Bankers Association – Furnishers Rule Comments

MACDC.org Research Servicer

Consumer Financial Protection Bureau Report to Congress on Credit Scores, July 19, 2011

50-State-Consumer-Protection-Laws-Report.pdf

Dodd Frank Wall Street Reform and Consumer Protection Act

NCLC Congressional Hearing Testimony Student Loan Bankruptcy Fairness Act of 2010