FCRA Quiz/ Credit Report Rights: WELLS LAW OFFICE (Ohio Law)

Consumer Protection * FDCPA * FCRA
Identity Theft * Warranty Law

Credit Report Legal Rights Quiz (FCRA - Ohio Law)

Telephone: (937) 435-4000
Facsimile: (937) 433-1510
Email: Help@OhioConsumerHelp.com

You Worked Hard to Earn Your Good Credit, Don't Let False Information on Your Credit Report Cast a Dark Shadow on Your Future

Bad Credit has been called the Scarlet Letter of the 20th Century. Do you know your rights? If you have false or outdated information affecting your access to credit, contact Attorney Amy Wells for a free consultation to discuss your legal rights.

TEST YOUR KNOWLEDGE

1) Credit Bureaus are non-profit government run agencies.

True False

2) Your credit score can affect your access to which of the following?

a) home and car loans

b) employment

c) insurance

d) all of the above

3) What is your first step to see if incorrect information on your

credit report may be affecting your access to credit?

a) wait for a credit denial

b) review your credit report regularly

c) ignore it

d) wait for a debt collector to call

e) ask a fortune teller

4) Credit Bureaus do not have to correct or delete incorrect or

unverifiable about you on your credit report.

True False

5) What was the #1 complaint reported by consumers to the FTC in 2011 and for the past eleven years?

a) Auto fraud

b) An overspending spouse

c) Identity theft

d) Telephone solicitation

6) If a Credit Bureau refuses to remove or delete incorrect information about you on your credit report, you may be entitled to:

a) Free credit reports

b) Money damages and your attorney fees

c) Bad credit and high interest rates

d) Being sued for a debt that is not yours

Click here for Answers

~Dedicated to Protecting Ohio Consumers~

Consumer Protection Laws * Fair Debt Collections * Fair Credit Reporting

Ohio consumer lawyer Amy Wells advises her clients to protect their good name by reviewing their credit report with each of the three major credit bureaus (Experian, Equifax and Trans Union) at least once per year. Consumers are entitled to a FREE copy of their credit report annually, and may obtain a copy online at www.annualcreditreport.com. Ms. Wells strongly suggests that you request your report(s) by mail.

Review the information on your report carefully, and if you find an error, or have questions about the contents of your report, contact Attorney Wells for a FREE CONSULTATION regarding steps that you may take to correct this problem. Poor credit ratings can prevent access to home loans, credit and even employment. If the credit reporting agencies fail to correct errors published on your credit report, you may also be entitled to monetary damages.

Do you have questions about your rights under the Fair Credit Reporting Act or other consumer laws? Contact us today. (937) 435-4000. Or email us now.

A growing number of Ohio consumers are victimized by the use of abusive, deceptive, and unfair collection practices by debt collectors. Abusive debt collection practices contribute to a high number of personal bankruptcies, marital instability, job loss, and invasion of individual privacy. Federal law prohibits unfair and deceptive practices by debt collectors, regardless of whether or not you owe any money.

Consumer lawyer Amy Wells offers consumers complimentary, no obligation consultations to explore their legal rights. If you have been sued by a debt collector or debt buyer, preserve all of your documents and contact us today.

If you have been harassed by debt collectors or believe that you are the victim of unfair collection practices, contact WELLS LAW OFFICE today for a FREE consultation. Call (937) 435-4000 or email us now.