{"id":2518,"date":"2025-09-15T07:18:03","date_gmt":"2025-09-15T05:18:03","guid":{"rendered":"https:\/\/wheat-kudu-461734.hostingersite.com\/?page_id=2518"},"modified":"2025-09-15T20:25:46","modified_gmt":"2025-09-15T18:25:46","slug":"derechos-del-consumidor","status":"publish","type":"page","link":"https:\/\/truepathfs.com\/en\/derechos-del-consumidor\/","title":{"rendered":"Consumer rights"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2518\" class=\"elementor elementor-2518\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5187c58 e-flex e-con-boxed e-con e-parent\" data-id=\"5187c58\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb0a398 elementor-widget elementor-widget-heading\" data-id=\"cb0a398\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Consumer rights<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70e16e7 e-flex e-con-boxed e-con e-parent\" data-id=\"70e16e7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74a1f35 elementor-widget elementor-widget-text-editor\" data-id=\"74a1f35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Last update:<\/b><span style=\"font-weight: 400;\"> 14 September 2025<\/span><\/p><p><span style=\"font-weight: 400;\">In <\/span><b>True Path Financial Services LLC<\/b><span style=\"font-weight: 400;\"> we believe that an informed consumer is a consumer protected. Our commitment is to give you access to your rights, whether you work with us or decide to do it on your own.<\/span><\/p><p><span style=\"font-weight: 400;\">Here you will find a clear overview of the laws that protect you, official resources and contacts of agencies so you're always in control of your financial information.<\/span><\/p><p>\u00a0<\/p><h2><b>\u00a0What rights it gives me the CROA (Credit Repair Organizations Act)?<\/b><\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have the right to a <\/span><b>written contract<\/b><span style=\"font-weight: 400;\"> to clearly explain the services offered.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have the right to <\/span><b>to cancel the contract within the first 3 business days<\/b><span style=\"font-weight: 400;\">free , without cost or penalty.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have the right to <\/span><b>'t charge you for anything in advance<\/b><span style=\"font-weight: 400;\">. You only pay after the services have been completed.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p>\u00a0<\/p><h2><b>What rights it gives me the FCRA (Fair Credit Reporting Act)?<\/b><\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The right to the <\/span><b>accuracy<\/b><span style=\"font-weight: 400;\">: you should only receive correct information on your credit history.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The right to the <\/span><b>privacy<\/b><span style=\"font-weight: 400;\">: your credit information can only be shared with those who have a legitimate purpose.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The right to the <\/span><b>correction<\/b><span style=\"font-weight: 400;\">: if you encounter errors, you have the right to disputarlos and to be investigated.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><h2><b>What rights it gives me the FDCPA (Fair Debt Collection Practices Act)?<\/b><\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The debt collectors <\/span><b>can't harass<\/b><span style=\"font-weight: 400;\"> or to call you in for hours inadequate.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can't <\/span><b>threaten you or to lie<\/b><span style=\"font-weight: 400;\"> on the debt.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can require that communicate only by writing.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have the right to <\/span><b>to dispute a debt<\/b><span style=\"font-weight: 400;\"> if you think that is not valid.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><h2><b>How do I get my free credit report?<\/b><\/h2><p><span style=\"font-weight: 400;\">You have the right to <\/span><b>one free report a year from each credit agency<\/b><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> The only official website licensed by the government is:<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> \ud83d\udc49<\/span><a href=\"https:\/\/www.annualcreditreport.com\"> <span style=\"font-weight: 400;\">AnnualCreditReport.com<\/span><\/a><\/p><p><b>What is a fraud alert or a freeze on credit?<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fraud alert:<\/b><span style=\"font-weight: 400;\"> notifies lenders that verify your identity before issuing credit in your name.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Freezing of credit:<\/b><span style=\"font-weight: 400;\"> hang your credit file so that no one can open new accounts without your permission.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">You can request these services directly with the credit bureaus:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Equifax:<\/b><span style=\"font-weight: 400;\"> equifax.com | \ud83d\udcde 1-800-685-1111<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Experian:<\/b><span style=\"font-weight: 400;\"> experian.com | \ud83d\udcde 1-888-397-3742<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>TransUnion:<\/b><span style=\"font-weight: 400;\"> transunion.com | \ud83d\udcde 1-800-916-8800<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><b>Who can I contact if I have a complaint?<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>CFPB (Consumer Financial Protection Bureau):<\/b><span style=\"font-weight: 400;\"> protect financial consumers.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> \ud83d\udc49 consumerfinance.gov<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>FTC (Federal Trade Commission):<\/b><span style=\"font-weight: 400;\"> regulates businesses and protects against fraud.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> \ud83d\udc49 ftc.gov<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><h2><b>How can I fix my credit myself?<\/b><\/h2><p><span style=\"font-weight: 400;\">\u2705 Yes. The law gives you that right.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> We exist to guide you, to save you time and errors, but <\/span><b>you have the power to do this on your own if you prefer<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">In <\/span><b>True Path Financial Services LLC<\/b><span style=\"font-weight: 400;\"> we believe that:<\/span><\/p><p><i><span style=\"font-weight: 400;\">\u201cAn informed consumer is our best customer.\u201d<\/span><\/i><\/p><p><span style=\"font-weight: 400;\">We want to know all your rights, whether you work with us or not. It is our commitment to transparency, education and your financial growth.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00daltima actualizaci\u00f3n: 14 Septiembre 2025 En True Path Financial Services LLC creemos que un consumidor informado es un consumidor protegido. 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