Credit is all about rights and responsibilities. The rights you are granted by state and federal statutes and regulations. The responsibilities you have to those who have extended you credit.

From 1977 to 1982, I had the privilege to serve as Director of the New Jersey Division of Consumer Affairs. For five years, it was my job to propose laws to protect consumers, to enforce laws when consumer rights were violated and to educate businesses and consumers about their rights and the responsibilities each had to the other.

During my tenure as Director, I observed that practically one–third of all inquiries and complaints received by the Office of Consumer Protection, related to credit. An overwhelming number of those inquiries were caused by a complete lack of information and understanding of how the system worked and the rights and responsibilities associated with it. The cause was completely understandable. Government lacked the funds, the personnel and the channels to properly educate the public. Business lacked the desire.

In 1995, even with the advent of the Internet, there was still neither a definitive publication nor central location where consumers could find reliable, accurate and timely information about the customs, laws and regulations of the American credit system, their rights and responsibilities and those products and services which could help them enhance their credit profile and maximize their credit dollars.

Credit.Com was established to afford consumers access to comprehensive education, information and "best of breed" credit products and services. Our goal was then, as it is today, to help consumers –– regardless of where they may be on the credit spectrum –– establish, rebuild, enhance and effectively use credit to get what they want and need, while mitigating the stress of the application process through the knowledge of what to do and how to do it.

It is our view that credit is not the enemy. It is not something to be feared. It is not something to be abused. It is the gatekeeper to liquidity and financial security. It is a friend.

It is our mission to acquaint you with this most helpful and protective friend and help you get to know each other.

Let me know what you think. If there is any product or service you need which you cannot find here, please contact me at:

alevin@credit.com

Adam K. Levin
President
Credit.Com, Inc.