Even in the heart of the “sunshine state”, Tampa, Florida, you can be living under a dark cloud of debt and collection harassment.  Without a degree in finance, the typical consumer is further bogged down by the legalese and acronyms that are thrown your way. What is an FCRA and how is it different than FDCPA? If you don’t know, you are not the only person searching for credit repair in Tampa, Florida who is confused.

Many of the acronyms that are tossed around by credit repair and bankers come from laws designed to protect the consumer. You need to know what these protections offer. FCRA is the Fair Credit Reporting Act which simply means that you have a right to know what is being reported about your credit. You also have the right to challenge any false or misleading information that you find on the credit report. Your credit repair problems might be a simple as clearing up an erroneous entry. That’s why you need a copy of your personal credit report (and business credit report if you are a business owner) every year to check the accuracy. Too often consumers ignore this until they need a car loan or mortgage then find out that their credit is damaged.

The FDCPA is the Fair Debt Collections Practices Act which keeps collectors from acting like invading warriors.  Under the FDCPA, a collector must identify himself to you and may not speak about your debt when calling your workplace or personal contacts. This act also prevents collectors from calling at all hours of the day and night. As any responsible credit repair service in Tampa, Florida will explain, you have the right to demand that a collector “cease and desist” harassing phone calls, visits, or mail. You need to send this request in writing and use certified mail with return receipt so you can prove it was received.

Don’t allow collectors to cast a shadow over your life. Know your rights.

You’ll never have to worry about Credit Repair Tampa Fl again! Visit us on the web at etampacreditrepair.com to learn more.

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