Staff Opinion Letters

FCRA Guidance

Fair Credit Reporting Act Staff Opinion Letters issued by the Federal Trade Commission (FTC) are not made a part of the FCRA, and therefore are technically not binding; however they are generally utilized by the credit bureaus as practical guidance. Therefore, any truly effective credit repair effort will have a working familiarity with these documents.

FDCPA Guidance

Likewise, the FTC issues Staff Opinion Letters regarding practical points of the Fair Debt Collection Practices Act (FDCPA), which we will touch on later, and which provides essential credit repair leverage when dealing with collectors.