New York Credit Repair & Debt Defense
In New York, the federal Fair Credit Reporting Act and Fair Debt Collection Practices Act let you dispute inaccurate items and force collectors to prove a debt — and New York adds its own teeth, including the 2022 Consumer Credit Fairness Act that shortened the clock on old consumer debt to three years.
Your rights: Federal FCRA (15 U.S.C. §1681) + FDCPA (15 U.S.C. §1692), plus New York's state FCRA (GBL §380) and the deceptive-practices law (GBL §349).
How to dispute: Dispute each inaccurate item in writing with all three bureaus (FCRA §611) and the furnisher (§623); the bureau must reinvestigate — usually within 30 days — and delete what it can't verify.
Statute of limitations: New York's Consumer Credit Fairness Act (2022) cut the SOL on consumer debt to 3 years (CPLR §214-i); a collector suing on older debt is time-barred — and a payment can restart the clock.
Lead move: Send a §609/§611 dispute to the bureaus and a §1692g validation demand to any collector; escalate unresolved errors to the CFPB.
Wrong items on your New York report — or a collector calling?
HWS manages your credit repair and debt defense as a tracked self-help Matter — disputes, validation demands, and CROA-safe letters you send yourself.
This is self-help educational information, not legal or financial advice, and Health Wealth Stealth is not a law firm or a credit-repair-for-a-fee company. Under the Credit Repair Organizations Act we charge no advance fee; you send your own letters. We make no guarantee of any specific score change. Confirm New York's rules with a licensed professional.