Colorado Revised Statutes Title 12. Professions and Occupations General Article 14.3. Colorado Consumer Credit Reporting Act 12-14.3-106.5 Consumer report information block.

Section 1. This act shall be known as "The Consumer Identity Protection Act." Section 2. For purposes of this act, the following words shall have the following meanings: [list=1]

Identification Documents. Any papers, cards, or other documents issued by federal, state, or local governmental authorities that are used specifically to identify a person. Identification documents include, but are not limited to, driver's licenses, military identification cards, passports, birth certificates, social security cards, and other government-issued identification cards.

Revised Code of Washington Title 19. Business Regulation - Miscellaneous Chapter 19.182. Fair Credit Reporting Act 19.182.160. Block of Information Appearing as a Result of Identity Theft.

debt consolidation looks the same as bankruptcy when you try to buy a home a car or even get a credit card. If you have alot of debt, your better off declaring bankruptcy, at least then your credit is screwed and your debt free. With DC your credit is screwed and you have to PAY!

Feeling blue because i am about to get my car repossessed, i have two card not paid in months, and i have not had a hot meal in a week. Help me get out of dept please. [/quote]

Some product and functions off credit reporting Just like to explain a bit more about the credit reporting side, how things work between creditors and the credit reporting agencies. There are of course the 3 major credit reporting agencies, and then there are the credit bureaus. Credit Bureaus usually resell credit reports to creditors from the credit reporting agencies.

http://www.publicutilityhome.com/state.shtml Look up for utility commission sites for each state. If you have billing, even reporting disputes, ID Theft problems any thing of the sort, and your disputes are not being processed with the respective utility company then this is where you take your disputes / complaints.

Reinsertion Remember the rules of disputing with the Credit Reporting Agencies: If you dispute then the CRA has 30 days to investigate, if it results in deletion (like the original creditor or collection agency failed to respond in allowed time) they can still later reinsert the item. BUT - they must give you 5 day notice from the time the item is reinserted on the credit report. If they don't then you have them. Just write back and dispute that you had not been given proper 5 business day notice and that you want the item removed for good.

If anyone needs to look up UCC law here is a listing of the state sites, this is some pretty in depth reading material here - just to be warned.

Alabama http://www.alabama.gov/ Alaska http://www.state.ak.us/ Arizona http://www.az.gov/webapp/portal/ Arkansas http://www.state.ar.us/ California http://www.ca.gov/state/portal/myca_homepage.jsp Colorado http://www.colorado.gov/ Connecticut