Credit Card Center Advertiser Disclosure

Valued Member
Posts: 49
Registered: ‎05-24-2007
0 Kudos

State laws

Read your state laws.   Some state laws on credit issues are consumer friendly.  Then read the state laws for which the OC, CA, CRA or for the third party debt collector.   FYI, Ex and CSC are in Texas which is very consumer friendly.   If all else fails, check with the underwriter for CAs.   See if the CA is required to be bonded in the state that they operate from.   Sometimes a complaint to the underwriter can produce results.
New Visitor
Posts: 3
Registered: ‎07-14-2007
0 Kudos

Re: State laws

Just a heads up from the inside on state legalities:
1. Mass & Mich- no check by phone fees
2. Outbound laws in Mass and Tex are most stringent
3. read the FDCPA (fair debt credit protection act) if you feel like you are being harrassed do something about it.
4. unless you are in certain states call time is from 9am to 9pm in your time zone. (outbound)
hope this is helpful. (work in an inbound call center. i won't say for whom, but its because of my debt that i am working in this place.)
Moderator Emeritus
Posts: 7,326
Registered: ‎06-18-2007
0 Kudos

Re: State laws

ALL CA must be licensed!!!!!!!!!! here is a link to CA that are already lic. in Ct. as of 7/12/2007

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.