The constitution of our great nation gives every individual the right to remain silent.
This means that you are not required to provide any information about anything to anyone unless ordered to do so by a court of law, the Congress of the United States and certain government agencies that have subpoena powers. And even if so ordered, you can lawfully remain silent if you believe that providing the information requested can incriminate you.
Thus, you have to be very careful about what you say and about what information you provide. CreditClock.com walks you step by step through the negotiating process - follow rules to maintain your privacy at all times.