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The way it works is by issuing what they call a "report my bills" credit card. After you have received your credit report, you will want to understand how creditors score you. However, with years of practical experience in the credit industry and thorough knowledge of the credit laws as well as federal consumer protection laws including Fair Debt Collections Practices Act ( FDCPA), Fair Credit Billing Act (FCBA) and Fair Credit Reporting Act (FCRA) they protect your lawful right. Reducing credit card debt in general is not easy and requires sacrifices