| Over 150 million Americans have
credit files with the major credit reporting agencies. As many as 50 million
of these files contain errors, even though consumers view these files
as one of their most important assets.
Practical Solutions Short of Litigation
Fair Credit Reporting is the leading volume not only on Fair
Credit Reporting Act litigation, but on practical steps short of litigation
you can take to help your clients deal with their credit rating problems.
- Dealing with identity theft
- Discovering for free what is in a consumer's credit report
- Samples of credit reports from the major credit bureaus
- Who can and cannot see the information in a credit file
- How many years information can be reported
- Coping with a negative credit rating and cleaning up an inaccurate
credit rating
- How to clean up a blemished or inaccurate credit rating
- Why debt collectors usually cannot harm a credit rating
Comprehensively Integrating the Just-Enacted FACT
Act
The new FACT Act in now largely in effect, and includes profound
changes as to:
- Rights of identity theft victims
- Risk-based credit pricing
- Responsibilities of creditors and other furnishers
- Preemption of state law
- Disclosure of crdit scores.
Today’s Hottest FCRA Topics
- Credit scoring and discussion of leading credit scoring systems
- Liability of creditors and other suppliers of information
- Gramm-Leach-Bliley and other privacy regulation
- The surprising uses of federal and state credit repair statutes
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|  New
CD-Rom Puts Key FCRA Litigation Aids at Your Fingertips
and in Your Wordprocessor
- 2005 and 2006 FACTA regulations and all supplementary information
- Redlined FCRA with FACTA changes
- FACTA legislation history
- The FTC Commentary, and all FTC letters,
with an FCRA sectional index
- The federal Credit Repair Act and summaries of state
credit repair and identity theft laws
- 20 sample complaints, 30 discovery requests, testimony
on damages, 7 jury instructions, closing arguments and
more
- Sample credit reports
- A universal data form
- Gramm-Leach-Bliley Act and Regulations and FCRA Regulations on
affiliate information sharing
- Over 20 enforcement orders against major reporting agencies
- Consumer handout on credit
reporting.
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Praise
for the NCLC Manuals |
