Sat, 02 May 2026 16:24:09 +0000

How a Secret Deal Could Ruin Your Credit After a TCPA Settlement In today’s digital age, credit scores play a critical role in your financial wellbeing—affecting everything from loan approvals to rental applications. Yet many Americans remain unaware of how certain legal settlements, especially those governed by the Telephone Consumer Protection Act (TCPA), can secretly damage your credit—sometimes without your knowledge. If you’ve recently settled a TCPA claim, a hidden clause in the agreement could quietly erode your credit history for years. ### What Is TCPA? The Telephone Consumer Protection Act (TCPA) is a federal law designed to regulate unsolicited telemarketing calls, especially via automated dialing systems. Since 1991, TCPA has empowered consumers by giving them rights to opt out of calls and demanding deletion from phone lists. In recent years, tech companies, debt collectors, and service providers have turned to TCPA settlements as a low-cost way to resolve legions of invalid or disputed call claims—even when the legality of those calls is questionable.