What Is A Good Credit Score For Businesses?

Edited by Hannah Locklear

Most of us are pretty familiar with the idea of a personal credit score, especially once we've gained a financial standing. But a business credit score is a term relatively unexplored for many of us.

We might interrelate these two scores, but to set the records straight, both have a unique formula that is based on various facts and figures that don't align.

Interested in getting a good business credit score and maintaining it? This article has been fragmented perfectly for you to clear up any confusion on what is a good credit score for businesses and how it works. Alongside that, we will also highlight the importance of a good score for your business, and word of advice on building a strong profile. By the end of this article, you'll know everything there is to know about business credit ratings and how to keep them in good shape.

Let's jump right in.

Understand credit scores for businesses

A business credit score is digits but with power—the power to make your company credible. A good business credit score will unlock the doors of future business lending for growth and contingency plans, low-interest rates for financial resilience, and much more.

These business credit scores are used by the lenders to know your creditworthiness standing as a responsible borrower. It doesn't matter if you're a small business attempting to expand by using a marketing tool to reach out to clients and promote your products, or if you're a large corporation; any business dealing with vendors and suppliers can have a credit score.

How does a credit score work?

When we talk about how business credit scores work, it's important to differentiate between personal credit and business credit, especially if you are a sole proprietor. Unlike a personal credit rating which is roped up to you with your social security number, business credit is based on your EIN (Employer Identification Number). This identity is generated free of cost and becomes the groundwork of your business credit.

There are designated business credit bureaus for calculating your credit score as a business. They gather all your business information which mostly includes your credit line and payment history and calculate the business creditworthiness for the lenders to invest.

The calculation of the credit score in a business credit report is evaluated via a unique formula by each bureau. There are four major reporting business credit bureaus:

1. D&B (Dun & Bradstreet)
2. Experian
3. Equifax
4. FICO

The business credit score is then used by banks, fintech companies, vendors, investors, and even clients to analyze the trustworthiness of your company for future investments. Unlike personal credit ratings, credit scores for businesses are visible to everyone.

If you're a business owner, fintech consulting can help you learn more about how to improve your credit score for business.

Good Business Credit Score Paradigm

What is the science behind the marvel of business credit scores? We are onto decoding the whole “good business credit scores” mystery for you.

Let's take a look at how business credit report algorithms generally work and what they are based on. The collected data is grouped into five categories along with their percentile values to make things clearer at a glance.

Business Score Credit Makeup

Debt Type	Deadline
Payment history	35%
Amounts owed	30%
Credit history length	15%
New credit	10%
Credit mix	10%

These percentages can affect your business credit report negatively or positively depending on how well you manage it.

Again, this is generally how credit scores are calculated and may differ in certain instances.

What is considered a good business credit score for each bureau?

Generally, a good credit score ranges from an index of 0 to 100 but that depends on the agency that you're using. Every bureau will have a unique algorithm to calculate your business credit score. We'll go through the four most common forms of business credit scores and what constitutes a strong business credit score for each bureau. Here they are:

1. D&B Paydex Score
2. Equifax Credit Score For Businesses
3. FICO Small Business Scoring Service (SBSS) Credit Score
4. Experian Intelliscore

Now, let's breach down each type of score a little further.

I. D&B Paydex Score

Dun & Bradstreet is the top agency that qualifies for calculating a business score. So naturally, their flagship scoring model, Dun & Bradstreet Paydex, ranks as the top most on our list.

To start with, you need DUNS numbers which are free of cost and can be achieved by registering on their website. That is going to be your business identification number and the foundation of your record. The vendors and lenders can use this number to get the information and report your payment history.

What is a good Dun & Bradstreet score?

For Dun & Bradstreet Paydex, their scores range from 0 to 100. An 80 and above qualifies as an excellent score and anything below 50 means you are in the red zone. So a Dun and Bradstreet score of 76 is a very good place to be. Here is a breakdown of how Dun & Bradstreet Paydex scoring works and what lenders consider good business credit scores:

D&B Paydex Credit Score Breakdown
Score Classification	D&B Paydex Score Range	Credit History
Poor	0-49	Extremely late payment (1-3 months)
Moderate	50-79	Moderately late paymnet (15-30 days)
Excellent	80-100	Early or on-time payment

II. Equifax Credit Score For Businesses

Equifax works for personal credit scores as well as business credit scores. It checks your status with international clients and suppliers as well. It has two credit scores for businesses.

• Equifax's business credit risk score ranges from 101 to 992. This score indicates the risk of delinquency in a business that might happen over 3 months. A score of 992 is the highest and 101 is the lowest which indicates that the business is in the danger zone. Your business needs to maintain a score of 570 plus for a credible report from this business credit reporting agency.
• Equifax's business failure score ranges from 1000 to 1610. Based on the reports over a 12-month period, this score indicates the likelihood of businesses failing or filing for bankruptcies.

What is the Equifax business score range?

Equifax is the most difficult of all business credit agencies and their working out is based on DBT (days beyond your term). This may include your payment history, trade data, lawsuits, number of employees, which industry you work for, and more.

Here's a quick run down of their scores and their respective classifications:

Equifax Credit Score Breakdown
Score Classification	Equifax Business Failure Score	Equifax Business Credit Risk Score Range	Credit History
Poor	1000-1134	101-397	Extremely late payment (1-3 months)
Moderate	1135-1468	398-695	Moderately late payment (15-30 days)
Excellent	1469-1610	696-992	Early or on-time payment

III. FICO Small Business Scoring Service (SBSS) Credit Score

FICO is another model to calculate credit scores and has been in the industry for a long time for personal credit reports. For small business loans, FICO has an SBSS (small business scoring service) credit score.

The formula used to calculate your business credit score will demand your personal credit information as well as your business credit information. So now is the time to make a strategy to pay off your past-due credit card payments. Some other important factors that the FICO SBSS score will take are the liens, years of business, and the number of employees.

The FICO SBSS credit score ranges from 0 to 300. The minimum score you need to prequalify for loan approval is between 140 to 160.

What is a decent FICO SBSS credit score for businesses, you might wonder? Let's take a look below to get more clarity.

FICO SBSS Credit Score Breakdown
Score Classification	FICO SBSS Range	Eligibility
Poor	0-154	Loan approval failed
Moderate	155-165	First screening passed
Excellent	166-300	Loan approval successful

IV. Experian Intelliscore

We all are familiar with the name Experian as they are widely used for personal credit score services. They have two scoring models for businesses.

• Experian Intelliscore Plus is meant for businesses with sole proprietorship and might use some of your personal credit histories.
• Experian Intelliscore Plus V2 is based on payment history, liens, past delinquencies, trade experiences, credit utilization, and more.

Both Experian Intelliscore have the same score bandwidth as the D&B Paydex score which ranges from 1 to 100. However, the classification of credit ratings that are regarded as good differs. Let's take a look below:

Experian Intelliscore Credit Score Breakdown
Score Classification	Experian Intelliscore Range	Due Period for Payments
Very Poor	1-10	Extremely late payment (3 months)
Poor	11-25	Late payment (after 60 days)
Moderate	26-50	Moderately late payment (between 30-60 days)
Good	51-75	On-time payment (30 days)
Excellent	76-100	Early payment

Fact: About 85 percent of the Experian credit score depends on your payment history.

Why are good credit scores important for businesses?

Let's just say that you own a software house and someone wants to outsource a software development project to you. But there is one slight problem. Their business credit reports from the bureau aren't up to snuff. Would you want to deal with a company with bad credit scores? The answer sums up why a good credit score is important for a business. A company's credit score has a significant impact on its overall situation.

Having a good business credit score can:

A. Help with business expansion

Every small business owner dreams of expanding their business enterprise one day. Personal equity funding may not have the sustainability that is necessary for a new business to expand. That is why every business needs funding. You can achieve this only if your company has good business credit scores. It shows how promising the future of your company is and attracts more lenders to fund your business.

Having a good business credit score will also help you in saving up your personal finances. When you have ample lenders to give you credit for running your business, there will be no need to use your personal credit for funding your business.

B. Improve overall financial health

Keeping up a good credit score will improve the overall financial health of your business. Businesses become savvy in managing their moneyr to achieve a good credit score and then maintain it over time.

When a company understands its liabilities and the timelines associated with them, it can design a credit cycle to ensure that its payables and receivables are on time.

Whether you're in the business of trading medical supplies like kid masks or selling motor parts on eBay, always remember that this is a continuous cycle; the more you put in, the more you will get. And with added perks! This in return will help a great deal in improving the financial health of the company.

C. Get you better lending terms

Banks want to ascertain whether businesses have a history of borrowing money from lenders and paying it back on time. To approve more loans, banks also ensure that businesses are equipped with enough financial resources for timely repayments.

If you have a good credit score based on these borrowing and payment history, you can secure loans with low-interest rates and better credit terms from the banks. This credible state of the company will pick off more affirmative terms with vendors and suppliers as well.

A good credit score will lower the overall cost of running a company and result in increased profitability in a time when enhancing efficiency, productivity, and profits through hybrid work arrangements are all the rage.

D. Help you with saving up on insurances

Insurance companies are always on the lookout for potential clients, and businesses with a good credit record are their eye candy. If your business shows promising scores, these insurance companies offer feasible insurance rates with whacking perks.

8 Tips for building up your business credit score

A bad credit score is not going to take you places. You cannot let it hold you back in times when businesses are increasingly relying on AI-based solutions to sustain and grow their businesses. So now is the time to pull the strings to make your credit score soar. Here are a few tips to build up a strong business credit score.

1. Pay on time

Good payment history is what you need to build a good business credit score. Unlike a consumer credit score that takes years to build, business credit scores don't take much time to beef up. All the business credit reporting agencies have designated higher categories for businesses that pay up within a month.

2. The more trade lines the merrier

Having a single trade line might be able to boost your credit score up to 40 points. So yes, having trade lines with good payment history will help in building up your credit score. However, having too many trade lines may hamper your credit rating. So watch out for that.

You can also get supply credit from some vendors. Some business credit bureaus require you to have at least three trade lines.

3. A business line of credit with higher limits

Credit lines are as important as trade lines. Get a business line of credit with a higher limit for your transactions. The more transactions you will have, the more your credit score will rise. Even owning a business credit card can help you improve your credit score. It will come with unlimited bonuses that you can spend whatever you like even for relief funding.

4. Avoid crashing your credit limit

Show them you are responsible. Avoid going above your credit limit. Some experts imply using up to 30 percent of your credit limit. The whole gist behind this is to make payments as soon as possible. If you have a business credit card, you should be even more cautious.

5. Get in touch with most business credit agencies

It is best suggested to have at least three major business credit bureaus reports for your business. Since different entities use different bureaus, this practice will build your ties with a vast number of lenders, vendors, and even potential clients, as well as help you build up your business credit score.

6. Bag from lenders that report to these bureaus

Getting loans from lenders that report to the agencies will help you build up your credit score immensely, especially for small business owners. For loan approvals from banks, you need a good business credit score; not an easy option for small businesses. Search for online small business lenders that report to the agencies to build up your repo.

7. Keeping up with your personal credit score

In most cases, your personal credit score is kept completely separate from your business credit reports. But in some cases of small business loan approval, some percentage of your personal credit report is also taken into account. A FICO SBSS is a good example of this. Maintaining good personal credit is also helpful, even if it requires a side hustle to pay off your debt.

8. Monitoring your business credit scores from time to time

Monitoring your business credit report from time to time helps you to become secure as a business. This can avoid a lot of problems like identity theft and some miscalculation which can lead to lowering your deserved business credit score.

Conclusion

Every company should go for a business credit if it wants to flourish because a business is like that growing child that is always hungry.

We can say that business credit is a tool for the business to fund itself. All you need is a credit profile that is built by these credit scores. The factors that make up your business's credit score are all within your control. A bad company credit history can keep the doors of opportunity closed for a long time, just as it becomes difficult to rent an apartment with a bad personal credit score. Paying your debts before the time limit allocated by the lender can make your credit scores soar high.

Keeping a check on your business credit scores for accuracy sporadically with the major credit bureaus helps you maintain your market worth and saves you from issues like misinterpretation or identity theft. And if you're already drowning in debt and facing a lawsuit, you can always turn to professionals for assistance. So get in touch with us and we'll sort things out for you.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
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• Vermont; Vermont (Small Claims court)
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Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act