Legal Resources
Essential legal information and government resources for understanding your credit rights and consumer protections.
Important Legal Notice
The information provided on this page is for educational purposes only and does not constitute legal advice. These resources are provided by government agencies and consumer protection organizations. For specific legal guidance regarding your situation, please consult with a qualified attorney. HOPE Credit Solutions provides educational information only and does not provide legal advice or representation.
Federal Credit Laws & Regulations
Key federal laws that protect your rights as a consumer in credit and debt matters.
Fair Credit Reporting Act (FCRA)
Your rights regarding credit reports, including the right to dispute inaccurate information and obtain free credit reports.
Credit Repair Organizations Act (CROA)
Federal law regulating credit repair companies, including your rights to cancel services and protection from misleading claims.
Fair Debt Collection Practices Act (FDCPA)
Protections against abusive debt collection practices and your rights when dealing with debt collectors.
Equal Credit Opportunity Act (ECOA)
Prohibits credit discrimination based on race, color, religion, national origin, sex, marital status, age, or other factors.
Consumer Education Guides
Government-published guides to help you understand credit, credit reports, and your consumer rights.
Credit Reports and Credit Scores
Comprehensive guide to understanding your credit report and credit scores, including how to read them and identify errors.
Disputing Errors on Credit Reports
Step-by-step guide to disputing inaccurate information on your credit reports with credit bureaus and creditors.
Building Better Credit
Strategies for improving your credit score through responsible credit management and payment history.
Credit and Your Consumer Rights
Overview of your rights as a consumer in credit transactions and reporting.
Colorado State Resources
State-specific consumer protection resources and regulatory information.
Colorado Attorney General - Consumer Protection
Colorado-specific consumer protection resources and complaint filing procedures.
Colorado Department of Regulatory Agencies
State regulatory information and consumer protection resources.
File Complaints & Get Help
If you experience issues with credit reporting, debt collection, or other financial services, these resources can help you file complaints and seek resolution.
Consumer Financial Protection Bureau
File complaints about credit reporting, debt collection, and other financial services.
File ComplaintFederal Trade Commission Consumer Sentinel
Report fraud, scams, and other consumer issues to the FTC.
File ComplaintBetter Business Bureau
File complaints against businesses and check business ratings and reviews.
File ComplaintResource Disclaimer
These resources are provided for educational purposes and are maintained by government agencies and consumer protection organizations. Links may change over time. HOPE Credit Solutions is not responsible for the content of external websites. This page does not constitute legal advice - consult with a qualified attorney for specific legal guidance regarding your situation.