Key Laws That Protect You:

Know your rights.

Fair Credit Reporting Act (FCRA)

The FCRA is the most important law when it comes to your credit report. It gives you the right to:

• Dispute inaccurate or outdated information

• Receive a free credit report every 12 months from each bureau (Equifax, Experian, TransUnion)

• Know who has pulled your credit report

• Remove negative items that cannot be verified

Fair Debt Collection Practices Act (FDCPA)

This law protects you from abusive or harassing collection tactics. Debt collectors are not allowed to:

• Call you at odd hours

• Threaten or lie to you

• Contact your employer without permission

If a debt is not properly validated, it can be removed from your credit report.

Equal Credit Opportunity Act (ECOA)

You cannot be denied credit based on race, gender, age, religion, or marital status. If you believe you’ve been discriminated against, you have the right to take legal action.

HIPAA Privacy Rule

Medical debt reporting is a sensitive issue. Under HIPAA and FCRA, unauthorized sharing of your medical information can result in legal violations and possible removal of that debt from your report.

Your Rights as a Consumer

If you find inaccurate or unfair information on your credit report, you have the right to dispute it—and the credit bureaus must respond within 30 days. At Freedom Credit, we help you exercise those rights and clean up your credit legally.

Final Thought

Knowing your rights is the first step toward financial freedom. These laws exist to protect you—but only if you use them. If you need help, our team at Freedom Credit is ready to support you every step of the way.