Are the three credit reporting agencies out there to ruin the otherwise good credit record of some people?

Q:

A: Yes, Equifax in Atlanta GA (collection agency favorite), Experian in Allen TX owned by a British company (big business favorite), and Trans Union (public record favorite) Family owned and operated in Fullerton Ca and Pennsylvania. But there is another one just making it's way onto the consumer reporting market. Also there is the UD (unlawful detainer) in Texas as well called UD Registry. If you are having problems read the FCRA (fair credit reporting act) in the U.S. Code. If a collection agency is plaguing you look up the FCDPA. The creditors (subscribers) do report to the CRA's but the CRA's decide what will remain on your report and what won't. Don't be discouraged, GET EVEN! There are laws to protect consumers use them!

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