If you have been repairing your credit you have read the FCRA and the FDCPA. If not, you need to do that by going to the FTC website.

These laws place a very large burden on the credit reporting industry in general and collection agencies in particular.

But still, people are harassed every day by rogue collection agencies and credit reporting agencies. In most of these cases they are totally ignoring the credit laws and violating your rights.

You need an understanding of the basic principles of these laws in order to use them. It will also take a little courage to do it yourself or a lot of money for an attorney to do it for you.

The reason is you are the only one who can enforce these laws. The credit reporting agencies and collection agencies are well aware of this. They know that less than 1% of the people whose rights they ignore are willing to push them to the point of collecting the damages granted in the laws.

In other words, it is far cheaper for them to pay off the few who do sue them than it is to comply with the law.

Meanwhile, the FTC sits back and collects more complaints on the credit reporting industry than any other. Still, you can expect no help from them.

Maybe, eventually, if they get enough complaints they may take some kind of wrist slapping action. Perhaps a token fine or something else that is totally insufficient to encourage following the law in the future.

As long as the credit industry has the money to pay for government officials and the passing of such absurd laws as the new bankruptcy law they bought, you will have to go it alone.

Sadly, if you want to repair your credit you will have to be the exception and not the rule. You will have to apply the credit laws on your own behalf.

You will have to learn how to prepare complaints suitable for filing in court, although it is highly unlikely you will ever have to actually make an appearance there.

For those with the courage to fight the fight, there is clean credit and perhaps a few thousand dollars to pocket for your efforts.

For those not willing to take the initiative and enforce the laws for themselves, expect to have your rights violated throughout the credit repair process.