Laws & Regulations We Stand On
At Credit Warriors Inc., everything we do is powered by law. These aren’t empty threats or recycled templates, we build every action on solid legal ground to make sure your credit rights are protected and enforced.
Here’s a breakdown of the major federal and state laws we use to protect you, clean your reports, and hold bad actors accountable:
1. Fair Credit Reporting Act (FCRA)
What It Does: Gives you the right to accurate, complete, and verifiable credit reporting.
How We Use It:
- Challenge outdated, unverifiable, or incorrect info
- Demand proper reinvestigation procedures
- Enforce deletion when creditors/bureaus fail to follow process
Power Move: If an account can't be 100% verified, it must be removed.
2. Fair Debt Collection Practices Act (FDCPA)
What It Does: Protects you from abusive, deceptive, and unfair debt collectors.
How We Use It:
- Stop harassment and illegal calls
- Demand full debt validation
- Sue or refer if violations continue
Power Move: Collectors who break the law can owe you $1,000+ per violation.
3. Equal Credit Opportunity Act (ECOA)
What It Does: Prevents discrimination in lending based on race, gender, age, marital status, or income source.
How We Use It:
- Review denials for unfair patterns
- Submit regulatory complaints for violations
- Educate clients on how to challenge biased credit decisions
4. Truth in Lending Act (TILA)
What It Does: Ensures you receive clear and accurate loan terms.
How We Use It:
- Identify APR or interest rate misrepresentation
- Help clients understand what they signed
- Spot abusive lending terms in contracts
5. Telephone Consumer Protection Act (TCPA)
What It Does: Restricts robocalls, spam texts, and auto-dialing from creditors.
How We Use It:
- Track and record violations
- Submit complaints or refer for litigation
- Demand cease and desist orders
Power Move: $500 to $1,500 per illegal call or text.
6. Consumer Financial Protection Bureau (CFPB) Oversight
What It Does: Holds credit bureaus and financial institutions accountable.
How We Use It:
- File official CFPB complaints for stalled disputes
- Create public record pressure
- Use CFPB case law to structure winning letters
7. State Consumer Protection Laws
What They Do: Add extra enforcement power based on your state (ex: California Rosenthal Act, Texas Finance Code).
How We Use Them:
- Layer local laws with federal statutes
- Submit complaints to state attorney generals
- Strengthen dispute cases with regional leverage
Why It Matters:
Most credit repair outfits don’t even mention these laws. We live by them. That means every dispute, every escalation, every win is backed by hard legal weight. No fluff. No fear. Just strategy, structure, and straight-up enforcement.
When you roll with Credit Warriors Inc., you don’t just send letters, you send legal demands. You don’t just hope they listen, you make them.
Your credit rights are real. We make sure they’re respected.
Want to see these laws in action? Book a strategy call and we’ll show you exactly how they apply to your credit situation.
