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2. The laws behind credit repair - AOL

   www.aol.com/finance/laws-behind-credit-repair...

   State attorneys general and consumer protection offices handle violations of state laws and can take legal action or mediate disputes locally. ... The time it takes to improve your credit depends ...

3. Don't fall for a credit repair scam: Clean up your credit for ...

   www.aol.com/finance/credit-repair-160240600.html

   For legal advice on credit reports and disputes, contact your local bar association or department of consumer affairs to get connected with an experienced attorney who specializes in credit repair.

4. How to protect yourself from debt relief and credit scams - AOL

   www.aol.com/finance/debt-relief-credit-scams...

   In addition to protecting you from potential scams, the DIY option will save you money and teach you a lot about personal finance as you work through your debt or credit issues. Research companies.

5. Criticism of credit scoring systems in the United States

   en.wikipedia.org/wiki/Criticism_of_credit...

   The concept of "credit invisibility" (a term used by the Consumer Financial Protection Bureau, the CFPB [64]) is factored into this as there are many individuals who do not use or need credit (usually the elderly), avoid using credit, or avoid participating in the credit system. Being credit invisible puts consumers at a disadvantage. [25]

6. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   A good debt settlement company will handle calls from the credit card companies, nor the collection agencies. Calls will slow down as the settlement company makes contact with the creditors. Good settlement companies will arrange monthly update calls, establish a plan where the debtor can miss a payment or two, or finish the plan six months ...

7. Debt collection - Wikipedia

   en.wikipedia.org/wiki/Debt_collection

   Credit bureaus will retain both the debt and collection history on the debtor's credit file for 6–7 years, depending on province. Although the collection agency can continue to collect or attempt to collect the debt, they cannot garnish or place a lien on the debtor past the limitation period unless the court upholds a new date of last ...