The Fair Credit Reporting Act (FCRA) is designed to help ensure that credit bureaus furnish correct and complete information to businesses to use when evaluating your application. Your rights include:
The right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.
The right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
Any company that denies your application must supply the name and address of the credit bureau they contacted, provided the denial was based on information given by the credit bureau.
The right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must be made within 60 days of receiving your denial notice.
If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau. Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute.
A right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.
Louisiana Request for Disclosure of Reasons for Increasing Charge for Credit Regarding Credit Application Where Action Was Based on Information Not Obtained by Reporting Agency
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How to fill out Request For Disclosure Of Reasons For Increasing Charge For Credit Regarding Credit Application Where Action Was Based On Information Not Obtained By Reporting Agency?
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Money Laundering Laws in Louisiana Louisiana Revised Statute 0 defines money laundering as: The conducting, supervision, and/or facilitation of financial transactions involving monies derived from criminal activities. Trading in any way monetary proceeds from crime.
Except as provided in Subsection E, whoever commits the crime of illegal use of weapons or dangerous instrumentalities shall be fined not more than one thousand dollars, or imprisoned with or without hard labor for not more than two years, or both.
The violation of a statute or ordinance shall be considered only as presumptive evidence of such negligence. C. Whoever commits the crime of negligent injuring shall be fined not more than five hundred dollars, or imprisoned for not more than six months, or both.
The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection (B) of this Section that is allocable to the period for which the periodic payment is made.
§102. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this title to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit.
The federal Fair Credit Reporting Act or ?FCRA? is one of the strongest consumer protection laws, and it requires accurate and fair credit reporting. It also protects consumer privacy.
Credit card disclosure must include a list of fees associated with your card. Some common credit card fees include annual fees, cash advance fees, foreign transaction fees, often called a "currency conversion" fee. Other fees include late payment fees, over-the-limit fees, and returned payment fees.
Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after June 29, 2005, shall charge or collect from a person, or spouse of a person, who is on active duty interest or finance charges exceeding six percent per annum during the period that the person is ...
