The Federal Trade Commission (FTC) enforces credit laws that get your right to use and maintain credit protection. These laws do not guarantee that to get any credit. Instead, the laws protect your rights by requiring firms to provide all consumers receive a fair and equal chance to get credit and to resolve disputes over credit errors. This brochure explains your rights under these laws and offers practical tips to help you resolve problems.
Your report contains information on where you live, how you pay your bills, and if you ever sued, arrested or filed for bankruptcy. Credit reporting companies sell the information in your report to businesses that use it to your applications for insurance, employment, evaluate or rent a house.
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