Sueing your credit bureau is a profitable weapon to repairing your credit. American consumers do it every day! Consumers are constantly being hurt by the carelessness of Creditors, Credit Bureaus and unethical practices of Collection Agencies. By pointing out these violations, you can make them back down and remove negative entries. You can fight back legally! The law states you can take them to court and win money! You can take the money you win from your creditors to pay off your debts.

The Creditors, Credit Bureaus and Collection Agencies are not going to change their ways unless it is in their best interest to do so. One of these ways is for you to take action legally against these companies when your rights have been violated is to file suite.

Each violation can be a $1000 fine. In the long run, you are going to help make someone else's life better by suing someone who has broken the law. If everyone took action when their rights were violated, the Creditors, Credit Bureaus and Collection Agencies would lose a fortune in legal disputes.

Who	Why	Precedent Law	Fine
Creditors, if they report your credit history inaccurately	Defamation, financial injury	US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan	Extent of damages incurred by the wronged party as deemed by the courts
Creditors, if you dispute a debt, and they fail to report it as disputed to the credit bureaus	Protection under the FCRA	FCRA Section 623	$1000
Creditors if they pull your credit file without permissible purpose	Injury to your credit report and credit score	FCRA Section 604(A)(3)	$1000
Credit bureaus if they refuse to correct information after being provided proof	Defamation, willful injury	FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit CourtCase 115 F.3d 220 June 9, 1997, Filed  (D.C. No. 95-cv-01743).	Extent of damages incurred by the wronged party, as deemed by the courts
Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days.	Consumer protection afforded by the FCRA	FCRA Part (A)(5)(B)(ii)	$1000
Credit bureaus if they fail to respond to your written disputes within 30 days (a 15 day extension may be granted if they receive information from the creditor within the first 30 days)	Consumer protection afforded by the FCRA	FCRA Section 611 Part (A)(1)	$1000
Creditors or collection agencies, and credit bureaus if they try and �Re-age� your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer	Consumer protection afforded by the FCRA	FCRA Section 605 (c) Running of the reporting period	$1000
If you dispute a debt, the collection agency fails to report it disputed to the credit bureaus	Protection under the FDCPA	FDCPA Section 807(8)	$1000
Collection agencies if they do not validate your debt yet continue to pursue collection activity (file for judgments, call or write you)	Consumer protection afforded by the FDCPA	FDCPA Section 809 (b), FTC opinion letter Cass from LeFevre	$1000
Collection agencies if you have sent them a cease and desist letter and they still call you	Consumer protection afforded by the FDCPA	FDCPA Section 805 (c)	$1000
Collection agencies if they have not validated your debt and they still continue to report to the credit bureaus	Consumer protection afforded by the FDCPA	FDCPA Section 809 (b), FTC opinion letter Cass from LeFevre	$1000
Collection agencies if they: - Cash a post-dated check before the date on the check - Cost you money by making you accept collect calls or COD mail - Take or threaten to take any personal property without a judgment	Consumer protection afforded by the FDCPA	FDCPA 808 Section	$1000
If a collector calls you after 9 PM at night or before 8 AM	Consumer protection afforded by the FDCPA	FDCPA  Section 805. (a)(1)	$1000
Calls you at your place of employment if the debt collector knows or has reason to know that your employer prohibits the consumer from receiving such communication.	Consumer protection afforded by the FDCPA	FDCPA Section 805. (a)(3)	$1000
Calls any third part about your debt like friends, neighbors, relatives, etc.  However they can contact your attorney, a consumer reporting agency, the creditor, the attorney of the creditor, or the attorney of the debt collector.	Consumer protection afforded by the FDCPA	FDCPA Section 805. (b)	$1000
The collection agency can not use any kind of harassment or abuse**	Consumer protection afforded by the FDCPA	FDCPA Section 806	$1000
Collector cannot claim to garnish your wages, seize property or have you arrested ***	Consumer protection afforded by the FDCPA	FDCPA Section 807	$1000
Collector must you in a county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit	Consumer protection afforded by the FDCPA	FDCPA Section 811 (a) (2)	$1000 Also a good grounds for getting a judgment vacated

** (1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. (3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting (4) The advertisement for sale of any debt to coerce payment of the debt. (5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. (6) Placement of telephone calls without meaningful disclosure of the caller's identity.

***If the collection agency gets a judgment against you, then they will be able to garnish your wages and seize property, but until that time, no.

Credit Repair Kit V8.5 Saves You Time and Money!  Just fill in your credit information, and your software will create the credit repair letters that the credit bureaus must respond to as soon as possible. You also get Customer's Software Support via Toll Free Phone & E-mail. You will receive all the credit repairing tools you need, and can start repairing your credit reports today yourself for only $35. Credit repair takes at least 2 1/2 months to complete and can take longer if your credit reports have lots of negative information... So get started today!

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