You Have the Power to Shape Your Credit Future

That’s right, credit repair is legal and mandated under federal law in that it is your right as an American citizen to an accurate accounting of your credit history.

At Prime Credit Experts, we operate under full compliance and awareness of these laws and your rights as an American consumer.

The Fair Credit Reporting Act

Taking effect as early as 1971, the Fair Credit Reporting Act was established to protect our individual right to fair and accurate reporting of our credit histories.

As stated in the Fair Credit Reporting Act (607)(b), when an agency (such as Experian, TransUnion, or Equifax) compiles a report for a consumer, they must follow procedure to assure for maximum accuracy of given information.

The Fair Credit Reporting Act also enforces your right as a consumer to dispute any information that is listed on your reports as negative, and under the FCRA (611)(5), any information that is found as inaccurate, incomplete or unverifiable is to promptly be deleted from the consumer’s file, or appropriate modifications are to be made based on the results found after investigating the consumer’s dispute.

Items eligible for dispute should they be inaccurate, out-dated, or unverifiable include (but not limited to): bankruptcies, judgements, inquiries, liens, and even your personal identification information.

The Fair Credit Reporting Act was amended in 2003, to include a portion known as the Fair and Accurate Credit Transactions Act (FACTA) which enables consumers to have access to one free credit report per year (not a free credit score), as well as allowance of a free credit report within 60 days of being denied credit, or only being able to obtain below-standard rates from a lender where this denial or rejection has been determined due to your credit score.

The reports provided to you from Prime Credit Experts are the most extensive and in-depth consumer reports an individual can obtain. Included is your entire credit history and each of your credit scores.

Credit Repair Organizations Act

The Credit Repair Organizations Act (CROA) finds that consumers have a significant (vital) interest in upholding their credit worthiness and standing, and therefore those consumers who have experienced issues with their credit have the right to seek assistance from organizations that offer credit repair in order to improve the standing of the consumer.

Furthermore, the CROA ensures to consumers that those organizations participating in credit repair provide the consumer with all necessary information in order make an informed choice of whether or not to partake and purchase the services of that credit repair organization.

Prime Credit Experts not only complies to the CROA, but goes above and beyond the call of duty in providing proper information to any individual who is seeking our help. Our team of FICO-certified credit analysts will provide information on how to improve your credit as it pertains to your personal credit file, but also provide extensive knowledge of credit maintenance that will allow you to manage your financial situation to improve and maintain your credit while Prime Credit Experts works their magic, and long after your credit has been repaired.

Fair Credit Billing Act

Enacted in 1975 as an amendment to the Truth in Lending Act, the Fair Credit Billing Act (FCBA) protects consumers from unfair billing practices and allows consumers to address any and all billing errors in credit card or charge card accounts.

The Fair Credit Billing Act also allows consumers to dispute any errors in billing, and upon receiving the dispute from the individual the creditor must, within a maximum of 90 days, make any appropriate corrections to the account, and should the response be no error was made, the consumer has the right to request proper documentation to support to validity of the error in question.

Prime Credit Experts upholds your rights as consumers to have an accurate and fair credit standing. We are not only in full compliance with the federal laws that protect your right to credit repair, but that govern our process and ability to do so.

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