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  2. How to spot debt collection scams: 8 signs to watch out for

    www.aol.com/finance/spot-debt-collection-scams-6...

    AnnualCreditReport.com allows you to obtain a free credit report from each major consumer reporting company weekly. Claim your reports online, then review them carefully to see if the debt is listed.

  3. 8 steps to remove old debt from your credit report

    www.aol.com/finance/8-steps-remove-old-debt...

    Collection agencies cannot report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your ...

  4. Debt collection - Wikipedia

    en.wikipedia.org/wiki/Debt_collection

    Some agencies offer a flat fee "pre-collection" or "soft collection" service. The service sends a series of increasingly urgent letters, usually ten days apart, instructing debtors to pay the amount owed directly to the creditor or risk a collection action and subsequent negative credit report.

  5. Consumer Financial Protection Bureau - Wikipedia

    en.wikipedia.org/wiki/Consumer_Financial...

    The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector.CFPB's jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors, for-profit colleges, and other financial companies operating in the ...

  6. Debt validation - Wikipedia

    en.wikipedia.org/wiki/Debt_validation

    Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15 ...

  7. Consumer bureau orders debt collection agency to shut down ...

    www.aol.com/consumer-bureau-orders-debt...

    The Consumer Financial Protection Bureau on Friday ordered Commonwealth Financial Systems, a debt collection agency specializing in medical debt, to shut down as a result of what CFPB determined ...

  8. Fair Debt Collection Practices Act - Wikipedia

    en.wikipedia.org/wiki/Fair_Debt_Collection...

    The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

  9. Can closed accounts be removed from your credit report? - AOL

    www.aol.com/finance/closed-accounts-removed...

    For example, if your Experian credit report shows a late credit card payment, you should contact both Experian and the credit card company that reported the late payment to make sure all records ...