FCRA Rights Explorer
Flip through your core rights under the Fair Credit Reporting Act, then test yourself.
Interactive cards + quizCredit AcademyKnow your rights.
Know your rights.
Master your money.
Free, interactive lessons on the FCRA, FDCPA, credit scores, and smart money habits — plus a certification you can earn. Create a free account to start; your progress saves automatically.
Already a client? Just sign in — the Academy lives in your secure portal, and your progress is saved to your account.
What’s inside
10 hands-on activities
Short, interactive, and built around real consumer-protection law — not boring lectures.
Credit Academy Classes
A self-paced course on credit, disputes, and building strength. Track your progress.
Course · progress savedSpot the Violation
Read real debt-collector scenarios and decide what crosses the FDCPA line.
Scenario gameCredit Score Simulator
Move the sliders and watch what actually drives a credit score.
Live simulatorUtilization Calculator
See your credit-utilization ratio and the smart targets, in real time.
CalculatorLegal Code Explorer
Search the FCRA, FDCPA, FCBA, ECOA, and UCC in plain language.
Searchable referenceDebt Payoff Simulator
Snowball vs. avalanche—see which strategy clears your debt faster and cheaper.
Strategy simulatorCredit Rebuilding Toolkit
Repair is not just deletion. Build positive credit with proven tools—track which ones you’re using.
Interactive toolkitCredit Myth Buster
True or false? Bust the credit myths that cost people money.
True/false gameCollector’s Playbook
Play the collector to learn where the legal lines are—and how consumers spot violations and fight back.
Scenario simulator
Flagship · Interactive simulator
Collector’s Playbook: Know Your Rights
Step into the collector’s seat across realistic scenarios — see exactly where the legal lines fall under the FDCPA and FCRA, and learn how consumers spot violations and fight back.
Certification
Earn your Consumer-Rights Compliance badge
Complete the simulator to unlock your certification, and climb the tiers from Rookie to Master as you finish lessons. Your progress and badges are saved to your account.
Start free in under a minute
Create your account, and the full Academy — lessons, simulators, the game, and your certification — opens in your secure portal.
Educational only. These activities explain how credit and consumer-protection laws generally work. They are not legal or financial advice, and no outcome is guaranteed. For your own case, use your secure portal or speak with a qualified professional.