Credit Repair & Education

Fair Credit Reporting Act (pdf File)
Fair Debt Collection Act
Fair And Accurate Credit Transactions Act
How To Opt-Out of Affiliate Sharing By Banks

  • Opt-out of "prescreening." Prescreening is the practice of selling lists of customers based on information in the credit file. This is done in order to send unsolicited offers of credit to individuals. In some cases, malicious actors have intercepted these offers of credit and have opened account in others' names.
    • By calling 1-888-5OPTOUT, you can opt-out of "prescreening." Be sure to indicate that you wish to opt-out permanently, otherwise, the CRA will start prescreening you again in five years. To opt-out permanently, you will need to complete a form that the CRAs will send after you complete the call.
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