If your Credit Agreement does not compy with the Consumer Credit Act of 1974 this would make the agreement unenfoceable.

Typical examples of unenforeceable Credit Agreements are the full amount of interest payable, cash price not being displayed or interest calculated incorrectly.

Common examples of credit/loan agreements include:

Secured Loans
Unsecured Loans
Hire Purchase
Consolidation Loans
Car Loans/Finance
Credit Cards
Store Cards