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YOUR CREDIT RIGHTS - You are protected against unfair credit discrimination. Credit cannot be denied based on your age (if you are at least 18 years of age), racial background, sex, marital status, religion, national origin, or if your income is derived from a public assistance program. Your rights are protected by the Equal Credit Opportunity Act.

 
Credit Card Agreements - The Truth-In-Lending Act requires disclosure of interest and fees that issuing banks can charge consumers. An explanation of how and when charges will be applied to your account can be found in your cardholder agreement and on the back of your monthly statement.

Read these documents to fully understand how you are being charged and how your interest is being calculated. If you have any questions, contact your credit card issuer.

If Your Unsatisfied With A Purchase

The Truth-In-Lending Act protects you if you are dissatisfied with an item or service that you purchased with your credit card.

When unsatisfied with a credit card purchase certain conditions must be met: The purchase made must exceed $50 and have been made in your home state or within 100 miles of your mailing address.

You must have made a attempt to resolve the dispute directly with the merchant. (Unsatisfied purchase protection does not apply to amounts you have already paid on your credit card bill for the merchandise or service.) If, after discussing the issue with the merchant does not resolve the problem you should contact your card issuer in writing. Check your particular billing statement for full details. It is always more difficult and often impossible to dispute a charge once you have made payment.

Billing errors can be corrected

The Fair Credit Billing Act protects you against billing disputes with card issuers. If you think you have found an error, write to the billing dispute address on your statement.

You must contact your card issuer within 60 days after they send you the first bill containing the error. You do not have to pay any amount in question during the investigation, but you are still obligated to pay any undisputed charges.

Your card issuer is legally obligated to acknowledge your letter within 30 days and must either correct the error or explain it to you in writing within two billing cycles. Disputing a charge

Your credit reports accuracy

The Fair Credit Reporting Act guarantees you access to information in your credit history. You can order a copy of your report from the credit reporting agencies listed below.

You have the right to a free copy of your report if you were denied credit because of it within the last 60 days. You are also entitled to know who else received the report. More about your Credit Report record.