 
Credit Heaven complies with all legal requirements as set out in those Acts governing credit repair companies.
Laws and rules governing credit, consumers and creditors
There are many different laws and rules that exist to protect the consumer in all matters pertaining to credit, credit repair companies and those who offer credit. It is important for any consumer to understand these laws that are designed to protect them. The Federal Trade Commission (FTC) is charged with enforcing many of these laws and for providing consumers with information about them. The FTC can be contacted by mail, telephone or email.
Federal Trade Commission's Consumer Response Center
Toll Free - 1-877-FTC-HELP (382-4357)
Regular mail:
Federal Trade Commission
CRC-240
Washington, D.C. 20580
website: www.ftc.gov
Rules and Acts
The Consumer Leasing Act requires leasing companies to inform a consumer about the facts and details regarding the cost and terms of their contracts.
The Credit Repair Organizations Act was designed to ensure that those seeking credit repair services from credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of credit repair services and that consumers are protected from deceptive or unfair advertising and business practices.
The Equal Credit Opportunity Act prohibits the denial of credit because of sex, marital status, race, religion, national origin, age or because a person receives public assistance.
The Fair Credit Billing Act sets out guidelines and procedures for resolving billing errors that may appear on credit card accounts.
The Fair Credit Reporting Act (FCRA) gives any individual the right to know what information is being distributed about them by any credit reporting agency.
The Fair Debt Collection Practices Act (FDCPA) sets out guidelines and procedures for collections companies that prevents debt collectors from using unfair or deceptive practices to collect overdue bills.
The Home Ownership and Equity Protection Act (HOEPA) is designed to protect consumers by restricting certain terms of high cost home loans (where the interest rate or fees are above a specified level).
The Identity Theft and Assumption Deterrence Act makes identity theft a Federal crime punishable with penalties up to 15 years imprisonment and a maximum fine of $250,000, and clearly defines the individual whose identity was stolen as a 'victim'.
Notices of Rights and Duties under the FCRA (July 1, 1997) were created to promote accuracy, fairness and the privacy of information in the credit files created by all credit reporting agencies.
The Truth in Lending Act demands that any lender give a consumer written disclosures of the costs of credit and the terms of repayment prior to entering into a credit transaction.
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