15 U.s Code 1692d A Debt Collector May Not Engage IN Any Conduct The Natural Consequence OF Which IS TO Harass

The Verdica score is a composite trust score from 300 to 850, computed from consumer complaint history and debt-collection licensing maintained by the CFPB and state licensing boards. A score of 850 places 15 U.s Code 1692d A Debt Collector May Not Engage IN Any Conduct The Natural Consequence OF Which IS TO Harass in the excellent (800–850) band. The score reflects publicly available regulator data — it is not a rating from Verdica itself and does not incorporate paid reviews or advertising.

Verdica combines three weighted sub-scores drawn from the CFPB and state licensing boards. Each sub-score reflects a different dimension of collection compliance — CFPB complaint volume, resolution outcomes, and state license status — and is normalized against industry peers before being aggregated to the 300–850 scale.

Verdica pulls public records from the CFPB and state licensing boards: consumer complaint history and debt-collection licensing. Data is refreshed on rolling cycles, typically weekly to monthly depending on the source agency's own update schedule. See the "source data current" indicator on the entity page for the last successful refresh.