There are federal laws designed to protect consumers—and many people don’t realize they can be used when fixing credit. When information on your credit report is inaccurate, incomplete, or unverifiable, consumer protection laws require credit bureaus and furnishers to investigate and report correctly. Some key laws that guide the credit repair process include: ✓ The Fair Credit Reporting Act (FCRA) ✓ The Fair Debt Collection Practices Act (FDCPA) ✓ The Truth in Lending Act (TILA) ✓ The Fair Cred