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Consumer Credit Forms

Consumer Credit refers in part to the regulation of the consumer credit industry whereby creditors are required by law to disclose credit terms to consumers. See free previews and download all credit related forms at USlegalforms.com; the forms professionals trust.




Congress passed the Consumer Protection Act in part to regulate the consumer credit industry. It requires creditors to disclose credit terms to consumers. The Consumer Protection Act also protects consumers from loan sharks, restricts the garnishing of wages, and established the National Commission on Consumer Finance to investigate the consumer finance industry. Credit card companies and credit reporting agencies are also regulated by the Act. The Act prohibits discrimination based on sex or marital status in the extending of credit. The Act also regulates certain debt collectors.

The Fair Credit Reporting Act is a federal statute, enacted in 1970 to protect the rights of consumers, and regulate the practices of those who provide information to the credit reporting agencies, the agencies themselves and credit report users. The FCRA states that a consumer can make a legal claim against, and sue the credit reporting agencies, creditors and debt collectors who report information that is wrong. The Fair Credit Reporting Act offers specific consumer protections if you have been victimized by the crime of identity theft.

Relevant legal forms include:

  • Letter to Experian (formerly TRW) Requesting Free Copy of Your Credit Report based on Denial of Credit
  • Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit
  • Consumer Credit - Credit Reports - Credit Repair Free!
  • Letter to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit
  • Consumer Credit - Reports - Fair Debt Collection Act
  • Notice of Violation of Fair Debt Act - Ltr. To Attorney General's Office
  • Notice of Violation of Fair Debt Act - Continued Contact
  • Notice of Violation of Fair Debt Act - Notice to Stop Contact
  • Notice of Violation of Fair Debt Act - Not My Debt
  • Notice of Violation of Fair Debt Act - Failure to Contact Attorney
  • Notice of Violation of Fair Debt Act - Improper Time of Contact
  • Notice of Violation of Fair Debt Act - Unlawful Contact by Postcard
  • Notice of Violation of Fair Debt Act - Ltr. To Federal Trade Commission
  • Notice of Violation of Fair Debt Act - Improper Contact at Work
  • Notice of Violation of Fair Debt Act - False Information Disclosed
  • Notice of Violation of Fair Debt Act - Harassment
  • Notice of Violation of Fair Debt Act - Creditor Being Abusive
  • Notice of Violation of Fair Debt Act - Creditor Misrepresented Himself
  • Notice of Violation of Fair Debt Act - Improper Document Appearance
  • Fresh Start: The Authoritative Guide To Consumer Credit Repair - The Best Available! - Reports