Knowing the CROA rights are an important tool in getting started with credit repair
. There are scams spreading all over the countryside meaning a disguised company can fool a helpless individual and simply hand them over to a collection agency for profit, what they don't know is the rights protect everyone with bad credit and give them a hand to fight back. Especially since they make profit for handing you off they will go as far as being your best friend just to catch you, so it is preferred to acknowledge a company before giving them your business. Always remember, the first rule of war is to know thy enemy- collection agencies and their scams.