Fair Credit Billing Act--Under this law, you may be able to withhold payment of the disputed amount of your credit card bill until the dispute is resolved. You must notify your credit card company of your problem in writing within 60 days of receiving your bill.

Fair Credit Reporting Act--This Act protects you by requiring credit reporting agencies to maintain correct and complete information in your credit file. You have the right to see your file on request. If you were denied credit because of information in your file, you have the right to see it at no charge. If you find incorrect or incomplete information, notify the credit reporting agency. They must investigate and correct errors.

Equal Credit Opportunity Act--Under this law, it is illegal for creditors to discriminate against applicants on the basis of sex, race, marital status, national origin, religion, age, or because they get public assistance.