Know Your Rights - F.C.R.A.

Many consumers are under the impression there is nothing that can be done to change the information on their
credit reports. Thankfully, this is not true. Federal law gives you the right to have misinformation on your credit
reports corrected. You are ultimately responsible for assuring that your credit reports accurately represent
your behavior as a consumer.

The Fair Credit Reporting Act (FCRA) gives you the right to contact credit bureaus directly and dispute items
on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased,
incomplete or unverifiable (questionable items). If the bureaus cannot verify that the information on their
reports is indeed correct, then those items must be deleted.

Disputing items on your credit report should be easy, but many consumers give up before they ever see results.
They don't take time to learn their relevant consumer protection rights or formulate a statute-based plan of attack,
and their quest for credit justice ends in frustration. That's where Nationwide Consumer Services comes in.

Defending your credit rights since 2009, Nationwide Consumer Services has the knowledge and experience
needed to help you effectively address your problematic credit history. From bankruptcies to charge-offs to tax
liens, NCS has challenged virtually every credit problem under the sun-and removed many items since inception.

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