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Resources

Welcome to American Credit Card Solutions's Consumer Resources page. We hope that the links and web sites provided below will be of benefit to you.

Credit Bureaus

Experian
Experian is a global leader in providing value-added information solutions to organizations and consumers.

Equifax
Equifax enlightens, enables and empowers consumers to manage and protect their financial health.

TransUnion
TransUnion helps the consumer through educational tools and support to reach their credit goals.


Consumer

AnnualCreditReport.com
This site allows you to request a free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Consumer Action
Consumer Action serves consumers nationwide by referring them to complaint-handling agencies, publishing educational materials, advocating for consumers, and comparing prices on credit cards, bank accounts and other such services.

Consumer Affairs.Com
ConsumerAffairs.Com Inc. provides access to a variety of resources, including consumer news, recall information, consumer comments and complaints, self-help tools and directories of resources.

Consumers Checkbook
A nonprofit consumer organization whose purpose is to provide consumers with information about high quality services and products at the best prices.

Credit Card Payment Calculator
This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill.

Federal Citizens Information Center
The Federal Citizen Information Center (FCIC) has been a trusted one-stop source for answers to questions about consumer problems and government services.

MSN Money
A gateway to informative financial articles on banking, investing, taxes and more!


Government

Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
This act made significant changes to American bankruptcy laws, affecting both consumer and business bankruptcies.

Electronic Fund Transfer Act
This act provides a basic framework establishing the rights, liabilities, and responsibilities of participants in electronic fund transfer systems. The primary objective of this title, however, is the provision of individual consumer rights.

Fair Credit Billing Act
The Fair Credit Billing Act (FCBA) was enacted as an amendment to the Truth in Lending Act. Its purpose is to protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors in "open end" credit accounts, such as credit card or charge card accounts.

Fair Debt Collection Practices Act
This act seeks to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

The Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) is designed to promote accuracy used in consumer reports as prepared by The Consumer Reporting Agencies (CRAs) and to ensure the privacy of said information. The most common type of CRA is the credit bureau.

FirstGov
FirstGov.gov is an easy-to-search, free-access website designed to give you a centralized place to find information from U.S. local, state and federal government agency websites.

FirstGov En Espanol
FirstGov En Espanol

Social Security Administration
The Social Security Administration is the Nation's primary income security Agency. It administers the Federal retirement, survivors and disability insurance programs, as well as the program of supplemental security income (SSI) for the aged, blind and disabled.

State and Local Contacts
The State and Local Government on the Net Directory provides convenient one-stop access to the websites of thousands of state agencies and city and county governments.

U.S. Tax Court
Congress created the Tax Court to provide a judicial forum in which affected persons could dispute tax deficiencies determined by the Commissioner of Internal Revenue prior to payment of the disputed amounts.

Internal Revenue Service - U.S. Department of the Treasury
The IRS is the branch of the U.S. Treasury Department responsible for administering the Internal Revenue Code and providing taxpayer education.


Industry

American Fair Credit Council
The American Fair Credit Council is the leading association of professional Consumer Credit Advocates organized around a few very simple yet very powerful principles:

  • To support consumers dealing with overwhelming credit and debt problems.
  • To promote and enforce industry best practices.
  • To advocate for consumer-centric legislation at the state and federal level that protects consumers through strong regulation and preservation of choice of debt relief.

Global Client Solutions

Persolvo Data Systems
Using Persolvo's revolutionary settlement portal, creditors, debt buyers and collection agencies now have enhanced visibility into consumer savings balances at leading Debt Resolution companies.