The Fair Debt Collection Practices Act (FDCPA) requires that debt collectors treat you fairly and prohibits certain methods of collection. Debt collector as defined by FDCPA; “Any person that is into the business or who regularly collects or attempts to collect debts is a debt collector”. The FDCPA was passed because of abusive, deceptive and unfair debt collection practices. The FDCPA covers:
1.what debts are covered
2.how debt collectors may contact you
3.how to stop a debt collector from contacting you
4.who else and how a debt collector may contact about your …

There are a number of factors that affect your credit report. You need to be aware of these factors else you might end up ruining your credit. Even a single delay in a payment can cause your credit score to dip.

1. Payment History: Your payment history is the most important factor of your credit report. Almost 35% of your score depends on the payment history. You need to

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There are a number of factors that affect your credit report. You need to be aware of these factors else you might end up ruining your credit. Even a single delay in a payment can cause your credit score to dip.

1. Payment History: Your payment history is the most important factor of your credit report. Almost 35% of your score depends on the

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