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Credit Reports - Credit Cards - Help with Car & Home Loans - Credit.com
Description
Credit is all about rights and responsibilities. The rights you are granted by state and federal statutes and regulations. The responsibilities you have to those who have extended you credit.
From 1977 to 1982, I had the privilege to serve as Director of the New Jersey Division of Consumer Affairs. For five years, it was my job to propose laws to protect consumers, to enforce laws when consumer rights were violated and to educate businesses and consumers about their rights and the responsibilities each had to the other.
During my tenure as Director, I observed that practically one–third of all inquiries and complaints received by the Office of Consumer Protection, related to credit. An overwhelming number of those inquiries were caused by a complete lack of information and understanding of how the system worked and the rights and responsibilities associated with it. The cause was completely understandable. Government lacked the funds, the personnel and the channels to properly educate the public. Business lacked the desire.
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