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Fair Debt Collection Practices Act (FDCPA)

Expert Guide to Removing Collection Accounts From Your Credit Report

In accordance with federal regulations, all credit repair services must be initiated through our secure online platform. No payment processing or enrollment via phone.

What is the Fair Debt Collection Practices Act?

The FDCPA is a federal law that protects consumers from abusive debt collection practices and provides powerful tools for removing collection accounts from your credit report.

Your FDCPA Rights

  • Stop harassing collector calls

  • Demand debt validation

  • Dispute inaccurate collections

  • Sue collectors for violations

Collection Account Removal

  • Challenge unverified debts

  • Remove invalid collections

  • Dispute outdated accounts

  • Fix reporting errors

Debt Collector Violations

  • Deceptive practices

  • Unauthorized credit reporting

  • Communication violations

  • Documentation failures

Legal Protections

  • Statutory damages available

  • Attorney fees covered

  • State law protections

  • Legal representation rights

How to Remove Collection Accounts

Step 1: Debt Validation

  • Request detailed validation

  • 30-day verification window

  • Original creditor information

  • Account documentation review

Step 2: FDCPA Review

  • Identify violations

  • Document communication issues

  • Track validation deadlines

  • Record collector misconduct

Step 3: Dispute Process

  • Credit bureau disputes

  • Direct collector challenges

  • Evidence compilation

  • Response monitoring

Step 4: Resolution

  • Account removal verification

  • Credit report monitoring

  • Settlement documentation

  • Score improvement tracking

Remove Collection Accounts Today

Let our FDCPA experts help you clean up your credit report and stop collector harassment.

In accordance with federal regulations, all credit repair services must be initiated through our secure online platform. No payment processing or enrollment via phone.

Credlocity

Admin@credlocity.com
Tel: (267)-225-4198
1500 Chestnut Street, Suite 2
Philadelphia, PA 19102

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Report Credit Repair FraudState Attorneys GeneralMany states also have laws regulating credit repair companies. If you have a problem with a credit repair company, report it to your local consumer affairs office or to your state Attorney General (AG).Federal Trade CommissionYou also can file a complaint with the Federal Trade Commission. Although the FTC can't resolve individual credit disputes, it can take action against a company if there's a pattern of possible law violations. File your complaint online at ftc.gov/complaint or call 1-877-FTC-HELP.Did we treat you unfairly? Did we break the law? Contact the Pennsylvania Attorney Generals Office or the Philadelphia District Attorneys Office.​Credlocity will always provide honest, fair, and legal services TRUST that.​

Disclaimer/Disclosure

Credlocity Business Group LLC is the parent company of Credlocity formerly known as Ficostar Credit Services and is in no way affiliated with FICO © 2020 Fair Isaac Corporation. FICO is a company that offers a credit scoring model called the FICO® Score. FICO score is a type of credit score created by the Fair Isaac Corporation. Lenders use borrowers' FICO scores along with other details on borrowers' credit reports to assess credit risk and determine whether to extend credit.

*VERY IMPORTANT DISCLOSURE*

We are a credit repair company. You have the right to dispute anything on your credit report yourself. This right is outlined in The federal Fair Credit Reporting Act (FCRA) which promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

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Copyright © 2024 Credlocity Business Group LLC. All rights reserved. Credlocity does not provide legal advice. Credlocity does not guarantee the permanent removal of verifiable tradelines. Credlocity requires active participation from its clientele regarding requested documents and information, including investigation results for the sought-after outcome of a healthy, accurate credit report. Individual results may vary.

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