1. The Equal Opportunity Act
Ensures all consumers are given an equal chance to obtain credit. Lenders cannot discriminate based on sex, race, marital status, religion, national origin, age or receipt of public assistance.
2. Fair Credit Billing Act
Applies to open-end credit accounts such as credit cards and lines of credit. Protects consumers from unfair billing practices and provides dispute settlement procedures for resolving billing errors and unauthorized charges.
3. Fair Credit Reporting Act
Regulates the collection, dissemination and use of consumer credit information. Designed to promote accuracy and ensure the privacy of the information in your credit report.
4. Fair Debt Collection Practices Act
Requires that debt collectors treat you fairly and prohibits unfair, deceptive and abusive debt collection practices.
About the Author
Ryan Christensen
Responsive, Responsible and Resourceful - How Real Estate Should Be. This is the foundation of our continued success: responsive service, providing accurate and timely information, and demystifying the process. 100% of my business is referral based because I listen to my clients' needs and exceed their expectations. As a full-time real estate broker, I am the best advocate for both my buyers and sellers. I am always available, regardless of the time of day.
Being a native Southern Californian is a tremendous advantage. I know the area. Time is more valuable than money, but neither can be wasted. And, I'm a fan of hard work. My clients can enjoy their home buying and/or selling experience because I provide a trusting, focused, straightforward approach. I look forward to helping you achieve your goals and find joy in homeownership.
I am both a licensed Real Estate and Mortgage Broker. Others choose to concentrate on one or the other. I provide a higher level of service and expertise than those who do not obtain this dual skill set, which differentiates me from other service providers. My decisions and advice are based solely on what is in the best interest of my clients. I use Real Estate Sales as a tool to make sure my clients get the home that meets or exceeds their needs. As a Mortgage Broker, I search for the best loans so I can offer lower rates and pricing than my financing competition. This certainly IS in the client's best interest.