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Recognizing your rights and privileges in the world of credit reporting, history, and disclosure will help you solve some of the problems that may come your way.
Some important facts to remember:
- Federal laws may protect you against unfair discrimination.
- The card issuer must completely and accurately disclose all card account fees and charges.
- Under certain circumstances, you may have recourse if a service or product you purchase with a MasterCard card does not meet your satisfaction.
- You are guaranteed access to information in your credit history.
- You can remove your name from some mailing lists for pre-approved credit card offers. A good starting point is to call the credit industry pre-screening opt-out toll free number: (888) 5OPT-OUT.
- You may have certain protections in case of a billing dispute with card issuers and other creditors, while the dispute is investigated and resolved.
- You have the right to know if a prospective employer plans to use your credit report as part of the screening process.
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