Overview of the Fair Debt Collection Practices Act (FDCPA)
The FDCPA is a set of laws that protects consumers from abusive, unfair, or deceptive practices by debt collectors.
Credit Repair
5 Top Credit Repair Companies of 2025
Credit Saint, Sky Blue Credit, are just two on our list of best credit repair companies to fix your credit like charge-offs and collections.
Pay for Delete Agreement: Delete Collection Accounts from Credit Reports
A pay for delete is a way to negotiate with a collection agency to remove an account from your credit reports in exchange for payment.
How to Request Method of Verification
Consumers have the right to request the method of verification when credit bureaus do not properly investigate credit disputes.
Base credit disputes off factual errors in your credit report
Consumers have a better chance at getting inaccurate items deleted from credit report when disputes are based on factual errors.
How long does negative credit remain on credit reports
Find out how long negative credit like late payments, charge-offs, car repossessions, and bankruptcies stays on your credit reports.
How Credit Repair Companies Work
Learn exactly how credit repair companies work to improve your credit score. Discover the strategies they use.
How to remove outdated information from credit reports
Old negative information may not be removed automatically. Check your reports to make sure outdated information is not reporting.
8 Reasons You Cannot Ignore Bad Credit
It is a mistake to ignore bad credit because when you need to use your credit history it may be too late to fix.
5 Actions to take if you have scary credit
Bad credit, no matter how scary, should be dealt with. Don’t let bad credit frighten you to the point where you do nothing.
