While there is no law specifically stating that money back guarantees are an investment, there are plenty of regulations that govern the use of this particular form of credit. The Fair Credit Reporting Act (FCRA) states that the names and actual amounts provided in an ‘investigation’ do not imply that the investigation was concluded or recommended by a court-appointed authority, and the actual findings or theory as to the validity of the findings or theory are not an objective or fact-based basis upon which to base a credit decision.
You should really ask questions about any of the ‘investigation’ sites you visit, the dates for launching the investigation, and any ‘experts’ who dispute the findings or theories of the investigation. Ask any well-informed consumer if they have ever ‘opened’ an investigation ‘for a product’ (such as coffee pads), and you will likely be reassured that the Commission (consumer reporting companies) will investigate the asserted ‘discredited’ product (such as the false ‘solution’) in detail and will use that to determine if you, as a consumer, should pay for a product with a ‘higher interest rate’.
Under Federal law, a consumer has the right to receive free, unbiased information from a free, fact-based source – including consumer-based information sources. In addition, there is the Equal Credit Opportunity Act (ECOA), which protects consumers who want to dispute erroneous or incomplete information received from a free, fact-based source.
So, yes, there is a right to a free, fact-based credit report. But there is a wrong to wrong to be addressed when consumers dispute information on their credit report: there is a right to know whether information in one’s report is accurate in another’and, indeed, to hear the side of truth and the opposite of the truth wherever you can find it.
We should also add that, under the FCRA (commonly abbreviated to ‘Fair Credit Reporting Act), any errors in an information report cannot be erased or changed, but can be corrected by correcting inaccurate or no-obtain ‘related’ errors. If you’re wrong, you’re on the right track to getting free money from your bad credit providers!
For more information
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How To Dispute A Credit Card Transaction
If you feel a merchant services your account, and your account has been removed, or you’ve noticed a transaction that seems to have been done illegally (for example you didn’t make the payment), then you have identity theft, otherwise known as CRIM.
If you believe you suffered identity theft and you use your card (and your credit) to purchase a product or service from a particular retailer, then you are likely to need to use your card in order to make a transaction (for example you purchase a ‘freebie’ at your local store). If you’ve had a fraud conviction and since discovered your identity has been stolen, and obviously you weren’t exactly a victim then you may be in a difficult spot as to how to recover your identity.
After you’ve recovered your identity from many retailers on this website that I visit, you can use the number below to order your report – provided that you have at least paid the bill on time.
Excerpt — How to Dispute a Credit Card Transaction
1. Go to the homepage of the website that you visited. Right click on the page titledcredit card transaction.php and select ‘report errors’. Go to the column titledAccount StatusChange. This means that the card was purchased and the status of disputing the transaction has occurred, and left logged on the system.
2. Select ‘File System Troubleshoot’ and click on ‘Start.