1. Credit File/Report By: Nathan, Katherine, Michael, Matthew

2. INFORMATION INCLUDED IN A CREDIT REPORT Personal data - full name, SS and drivers license numbers, recent addresses, date of birth, spouses or other family members names, and phone numbers Credit information - credit accounts, date they were opened, payment history, debt owed, any co-signers Public record information - bankruptcies, lost court cases, federal and state tax liens, overdue child support Requests for your credit history - a list of individuals and organizations that have recently sought information from your credit report Nathan

3. INFORMATION NOT IN A CREDIT REPORT Race Color Religion National Origin Sex Marital Status

4. Nathans sources: http://www.philly.com/philly/classifieds/cars/research/general_cars/General_What_Is_a_Credit_Report.html http://www.myfico.com/crediteducation/whatsnotinyourscore.aspx

5. How does inaccurate credit get on your credit report? Company does not register that the bill was paid Inaccurate information entered by the credit company Stolen Identity

6. How do you remove collections from your credit report? Disputing it with the credit bureaus Pay for delete Ask for a goodwill deletion Pay it

7. Who can access or look at your credit report? Can be provided for use in connection with a credit transaction, underwriting of insurance, or other legitimate business need. Friends, neighbors, and other individuals cannot be given access to credit information about you. If they request the information, they may be subject to a fine, imprisonment, or both. Matthew

8. Checking your own credit report. The Fair Credit Reporting Act Maintains the use of credit reports. Gets rid of all out-of-date information. Allows you to correct any incorrect information.

9. Who do you complain to about consumer credit? Consumer Financial Protection Bureau Report company to your state attorney general's office. state attorney general's office Report the company to the Better Business Bureau (BBB) Better Business Bureau (BBB)

10. Online Call 1-855-411-CFPB (1-855-411-2372) or 1-202-435-7000. Report it directly How do you voice complaints about consumer credit?

11. "The Free Automatic Bibliography and Citation Generator." EasyBib. N.p., n.d. Web. 08 Apr. 2014. Kapoor, Jack R., Les R. Dlabay, and Robert J. Hughes. Business and Personal Finance. New York, NY: Glencoe/McGraw-Hill, 2007. Print. "Remove Debt Collections From Your Credit Report." About.com Credit / Debt Management. N.p., n.d. Web. 14 Apr. 2014 Katherines Sources

12. Bad Credit History - 1. Your Financial past may say something to employers. 2.Getting a job in Finance is harder. 3. Employers may use Credit History to break a tie between Applicants. Michael

13. 1. Right to sue Collectors for violations 2. Protection against harassment 3. Prohibits disclosure 4. Bans contact with consumers at inconvenient times Fair Debt Collections Act - Basic Provisions Michael

14. How The Act Protects You 1. Prevents Harassment and abuse 2. Misrepresentation 3. Confidentiality 4. Penalties Michael

15. 1. http://www.creditcards.com/credit-card-news/help/fair-debt- collection-practices-act-6000.php 2. http://www.creditcards.com/credit-card-news/help/fair-debt-collection- practices-act-6000.php References