Daniel Rosen explains why credit repair pros often mix up FDCPA and FCRA. FDCPA covers debt collectors, FCRA covers credit reporting. Using the wrong law means sending letters to the wrong places and getting no results.
Did you know that most credit repair pros use the wrong law without even realizing it? And this can destroy your results? There are two laws that you must understand. The FDCPA and the fcra. If you don't understand which law applies to which situation, you'll send the wrong letter, you'll talk to the wrong entity, and you'll never see results. FDCPA and FCRA are, are not the same thing, okay? They apply to different companies, they fix different problems, they trigger different rights, and they require different letters. Here's the simplest way I can put it. FDCPA is about debt collectors. FCRA is about credit reporting. If you tattoo that on your brain, you're going to get better results immediately.
