Having negative information on your credit reports can feel like a life sentence but there is a credit reporting time limit to most negative credit entries.
Credit Privacy Numbers are illegal when marketed as credit repair or to establish a new credit history and score. You can get into more trouble than it’s worth. Building new credit should not involve the possibility of jail time.
The FDCPA are laws against debt collectors which protect consumers from abusive, unfair, or deceptive practices debt collectors may use in collecting debts.