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(866) 417-2534


{NAME} ON YOUR REPORT?

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(866) 417-2534




WHAT IS NAME ON MY CREDIT REPORT?

{Name} is a debt collection agency. If you are seeing them on your credit
report, it likely means they have purchased your debt from a creditor and are
(or will be) attempting to collect it from you.


IS {NAME} A DEBT COLLECTION AGENCY?

Yes, {Name} is a debt collection agency. They buy debt from a number of
different creditors that no longer wish to attempt to collect the amount
themselves (also known as a "charge-off").

{Name} may attempt to reach out via mail or phone calls (demanding payment). The
worst part is a collections account will now be seen on your credit report. This
hurts your score, as well as reducing your chances of getting approved for a
loan or other important financial event.

But it’s not all bad news! We may be able to help you with this account. Call us
today to find out more.


WHO DOES {NAME} COLLECT FOR?

{Name} purchases debt from a range of different creditors. The information isn’t
always publicly available and is constantly changing, so it’s difficult to
provide an accurate and up-to-date list.


DOES {NAME} HURT MY CREDIT SCORE?

Yes, it is highly likely having {Name} on your credit report is damaging your
score significantly.


LOOKING FOR HELP WITH {NAME}?

(888) 294-1441

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HOW DO I REMOVE {NAME} FROM MY CREDIT REPORT?

To be eligible to remove {Name} from your credit report, you typically need to
meet the following requirements:

 * Any information on the account is incorrect
 * Any information on the account is error’d
 * Any information on the account is fraudulent
 * And is not (or cannot be) fixed in an appropriate amount of time

According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes
or serious errors. Going after these types of accounts for our clients is our
specialty.


SHOULD I PAY FOR DELETE WITH {NAME}?

Paying off {Name} to have credit bureaus delete it from your report sounds like
a good idea. There's one major problem. Paying a debt in collections changes
your credit report status from 'unpaid' to 'paid', but the collection remains on
your report for 7 years (from the date of first delinquency). This means your
credit is still damaged.


SHOULD I NEGOTIATE A SETTLEMENT WITH {NAME}?

Settling your debt with {Name} could go both ways. It may help your score, but
it may also hurt your score. Many variables impact the end result. There is a
better path to a good result. Work with a company that is able to review these
accounts for you (like Credit Sage), and if any issues with the account exist
you may have it removed all together (and never have to hear from them again).


IS {NAME} LEGIT, FAKE OR A SCAM?

{Name} is a legitimate company. They aren’t fake or trying to scam you. But it
is likely they are spam calling you trying to collect a debt. One of the best
ways to deal with this is to dispute and remove unvalidated debts.


LOOKING FOR HELP WITH {NAME}?

(888) 294-1441

Tap To Call




WHY DO {NAME} KEEP CALLING ME?

{Name} continues to call and attempt to collect a debt. The best thing you can
do is ignore their calls and speak with a company that can help you get it
removed (like Credit Sage).


HOW TO GET {NAME} TO STOP CALLING ME?

As we’ve mentioned above, {Name} will be calling you to attempt to collect a
debt. The best thing you can do to stop this is speak with a company that can
help you get them removed from your credit report, like Credit Sage. Once they
are off your credit report, you won’t have to hear from them again.


{NAME} REVIEWS AND COMPLAINTS

{Name} has terrible BBB reviews. This may come from their repeated calls and
letters to consumers trying to collect their debt.


WILL {NAME} TRY SUING OR GARNISHING MY WAGES?

{Name} suing would be a very unlikely situation. In rare cases it may happen,
but it certainly isn’t the norm. State and federal laws place limits or
'exemptions' that apply to bank and wage garnishments.

We strongly recommend calling us, we’ll help determine the likelihood of a
lawsuit, but also provide you next steps in getting this collection removed.


LOOKING FOR HELP WITH {NAME}?

(888) 294-1441

Tap To Call




DOES {NAME} ACCEPT A GOODWILL LETTER TO REMOVE MY COLLECTION/CHARGE-OFF?

Based on our years of experience dealing with companies like this, {Name} does
not accept goodwill letters to remove collection accounts or charge offs.


WHAT ARE MY RIGHTS WHEN DEALING WITH {NAME}?

You have the right to dispute any of your debt that {Name} has purchased. {Name}
is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair
Credit Reporting Act (or FCRA). While these acts seem very complicated, they
provide a great deal of power to the consumer if you know how to use it
properly.


WHAT IS {NAME} PHONE NUMBER?

You likely want to call Credit Sage before deciding whether or not to call
{Name}. The reason? You may not want to pay {Name} debt, especially if it's
inaccurate. Paying it off could hurt your score.


GET {NAME} REMOVED FROM YOUR REPORT, TODAY!

In most cases, we recommend speaking with a Credit Repair professional to
analyze your credit report before you attempt to settle any debt. The main
reason? Settling your debt may actually hurt your score.


LOOKING FOR HELP WITH {NAME}?

(888) 294-1441

Tap To Call




SEEING {NAME} SHOWING ON YOUR REPORT?


Step 1


VALIDATE YOUR ACCOUNT


Step 2


DISCUSS YOUR OPTIONS


Step 3


WE'LL IMPLEMENT YOUR BEST OPTION


(866) 417-2534

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COMMONLY ASKED QUESTIONS


WHO DOES {NAME} COLLECT FOR?



{Name} is a debt collector responsible for reporting a collection account on
your credit report. In certain instances, this indicates that they have acquired
the debt from the original creditor, such as a credit card or loan company,
often purchasing it for a fraction of its original value, sometimes as low as
1/10th. Alternatively, they might not be the actual debt owners but are hired to
collect on behalf of another company. Their attempts to reach you for payment
may include communication through mail or phone calls. Unfortunately, this leads
to the presence of a collections account on your credit report, adversely
affecting your credit score and diminishing your chances of obtaining approval
for loans or other significant financial endeavors.


DOES {NAME} HURT MY CREDIT SCORE?



Any negative mark that falls within its statute of limitations can have a
significant impact on your credit score. A collections account is subject to the
same effect.


HOW DO I REMOVE {NAME} FROM MY CREDIT REPORT?



We have the expertise to pursue the removal of {Name} from your credit report,
especially if any information related to the account is incorrect, erroneous, or
fraudulent and cannot be rectified in a timely manner. According to a study
conducted by the U.S. PIRGs, a notable 79% of credit reports contain mistakes or
serious errors. Our specialized services focus on addressing and resolving these
types of accounts for our clients.


IS {NAME} A DEBT COLLECTION AGENCY?



{Name} is identified as a debt collector responsible for reporting a collection
account on your credit report. They acquire debts from various creditors who
have abandoned their efforts to collect the owed amount, which is commonly known
as a "charge-off."


SHOULD I NEGOTIATE A SETTLEMENT WITH {NAME}?



When dealing with {Name} and settling your debt, the impact on your credit score
can vary. The outcome depends on multiple factors. In some cases, you may not
even need to make a payment at all, and if there are any issues with the
account, it could be entirely removed, resulting in no further interactions with
them.

(866) 417-2534

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LOOKING FOR HELP WITH {NAME}?


(866) 417-2534

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