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!
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
MACDC.org 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