Consumer Protection Laws

Federal Consumer Protection Laws govern the Credit Industry, and our work as Consumer Credit Advocates.

The New Credit Company

We explore and exploit every strategy that is supported by law.

When it comes to the specific negative items that we target in any credit report, we make every effort to remove inaccurate and/or obsolete target items unless the law demands that they remain.

FCRA

Fair Credit Reporting Act

U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

FDCPA

Fair Debt Collection Practices Act

A Federal law that limits the behavior and actions of debt collectors who are attempting to collect a debt for another person or entity.

TCPA

Telephone Consumer Protection Act of 1991

Restricts telephone solicitations (i.e., telemarketing) and the use of automated telephone equipment. The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.

FCBA

Fair Credit Billing Act of 1986

A United States federal law enacted in 1974 as an amendment to the Truth in Lending Act.

We Use These Consumer Protection Laws

New Credit is a team of advocates that uses these laws. We often cite them when managing credit cases. Sometimes as part of the dispute process. Others while opposing unethical debt collectors.

We're not attorneys. But we do partner with attorneys to pursue legal recourse for violations of credit-related laws.

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