Consumer Advocacy

Consumer Advocacy

Ask Dr. Debt

A free website loaded with links to financial resources, answers to debt-related issues and unbiased information intended for consumers with questions or concerns about their debt.


The Federal Credit Reporting Act is the federal law that regulates the collection, dissemination, and use of consumer information, including consumer credit information.


TIs a United States statute intended to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy.

Consumer Credit Reporting Agencies


Experian is a business services and global credit information group.


One of the largest credit bureaus in the United States, Transunion provides credit information to both businesses and individuals.


A consumer credit reporting agency in the United States, considered one of the three largest American credit agencies along with Experian and TransUnion.

Consumer Bill of Rights

According to the Federal Trade Commission , every consumer has the following rights: