Mapping the Credit Industry

Credit Information Reports

As a credit attorney, I spend a lot of time reading Government reports, consumer protection studies, congressional hearing testimony transcripts, and transcripts of law suit depositions of credit bureau employees.

I particularly find the credit bureau employees' transcripts to be of significant value in providing a behind the scenes look at how they operate and use your personal credit information. It also provides sworn evidence of how the big 3 credit bureaus gather and report your credit information, process credit disputes, and market your personal data.

We then use much of this data in developing our credit improvement processes to compel the credit bureaus, creditors, and collection companies to comply with the credit laws that protect your credit rights, when selling your credit information.

Of course we don't expect you to read all of the reports listed. However, they are available for your review and verification of the authenticity of the credit information we provide on our site.

As always, we encourage you to get credit information and decide for yourself who to trust to help legally improve your credit!

Relevant Articles

FTC Study on Credit Reporting

Fair Credit Reporting Act-How It Functions For Consumers and the Economy

2006 FTC Report To Congress On FCRA

Borrower On Hold

Consumer Bankers Association - Furnishers Rule Comments Research Servicer

Consumer Financial Protection Bureau Report to Congress on Credit Scores, July 19, 2011


Dodd Frank Wall Street Reform and Consumer Protection Act

NCLC Congressional Hearing Testimony Student Loan Bankruptcy Fairness Act of 2010


Chi Chi Wu of NCLC House Finance Committee Testimony June 2007 on Credit Report Accuracy.pdf.pdf

Consumer Credit Counseling Report2.pdf

Credit Score Study 2002.pdf

Debt Settlement Companies

Federal Credit Bureau Guide

Federal Reserve Report on Accuracy of Credit Reporting Summer 2004.pdf

Federal Reserve Testimony 2007

Federal Truth in Lending Act Sysnopsis.pdf

FTC Commissioner Pamela Jones Harbour Testimony on Identity Theft.pdf

Identity Theft Report.pdf

Consumer Federation of America 2007

Identity Theft Prevention Guide White Paper

Insurance and Credit Scoring

Testimony on Mortgage Lending Reform March 2009

New FTC Rule The Furnishers Rule July 2009.pdf

Obligations Furnishers of Information under FCRA.pdf

Report on Credit Scores and Reports and Getting ahead in America 2004.pdf

Survey of State Foreclosure Laws.pdf

Vantage Score CEO Congressional hearing Testimony Transcript.pdf

The Furnishers Rule - Right to Dispute.pdf

Federal Student Loans Debt Relief.pdf

Private Student Loan Assistance Report April 2009.pdf

Letter to Senator Dodd regarding Consumer Protection Bureau Bill.pdf

Congressional Hearing Testimony Student Loan Bankruptcy Fairness Act of 2010

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