The following acts protect your consumer credit rights. The Truth in Lending Act (1968) Ensures consumers are fully informed about cost and conditions of borrowing. Sets standards for disclosing interest rates and fees. The Fair Credit Reporting Act (1970) Protects the privacy and accuracy of the information on your credit reports. Equal Opportunity Act (1974) Prohibits discrimination in giving credit on the basis of sex, race, color, religion, national origin, marital status, age or receipt of public assistance. The Fair Credit Billing Act (1974) Sets up a procedure for the quick correction of mistakes that appear on consumer credit accounts. The Fair Debt Collection Practices Act (1977) Prevents abuse by professional debt collectors, and applies to anyone employed to collect debts owed to others. This act does not apply to banks or other businesses collecting their own accounts. Federal Trade Commission Consumer Response Center (877) 382-4357 Equifax (800) 685-1111 P.O. Box 740241 Atlanta, GA 30374-0241 www.equifax.com Experian (formerly TRW) (888) Experian (397-3742) P.O. Box 949 Allen, TX 75013-0949 www.experian.com Transunion (800) 916-8800 P.O. Box 390 Springfield, PA 19064-0390 www.tuc.com