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Credit Time Clock & Debt Time Clock

(These Two Guides provide the Statute of Limitations for Credit Reporting and Debt Collection)

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FREE Credit Time Clock & Debt Time Clock: 

Did you know that the Fair Credit Reporting Act (FCRA) established deadlines for how long items can remain on credit reports and when they must be removed? 

For a long time, it was a common belief that everything on a credit report had a 7-year lifespan. 

But that’s not true!

In some situations, the Statutes of Limitations can be longer, shorter, or they can even allow items to remain on credit reports INDEFINITELY. 

The Credit Time Clock is a guide that will help you stay informed on the current regulations and limitations, so you can track each item on a credit report until it’s resolved. 

The Debt Time Clock is a guide that will help you find each state's current limitations so you can determine if a debt collection agency can still take legal action to collect on a debt.

Think of both of these clocks as countdowns to success!

Enter your name and email address to have the FREE Credit Time Clock and Debt Time Clock sent to you!

Credit TIme Clock & Debt Time Clock

Understanding the Telephone Sales Rule

IF YOU SERVICE OR SOLICIT CUSTOMERS BY TELEPHONE IN MORE THAN ONE STATE, YOU MUST ADHERE TO THE TSR. The TSR prohibits requesting or receiving payment for credit repair services any time before

1) the seller provides the customer a report from a consumer reporting agency showing achievement of the promised result; and 2) such report is issued more than six months after the positive results were achieved.

You must comply with all the applicable federal laws. You must also comply with the laws of the state where you market and operate. CRC’s statements are not legal advice. You should seek legal advice to assure compliance.

For more information, you can visit the FTC’s website: https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule