How to Get Wilshire Consumer Credit Off Your Credit Report

If you have begun receiving calls from a company called Wilshire Consumer Credit, you are probably feeling overwhelmed by their advances.

They are a third-party debt collector and auto loan financer out of California.

They are aggressive, and they will not stop unless you pay them or remove their account from your collection account.

We can help you remove their collection account from your credit report.

With a few simple steps – and perhaps some professional assistance – you can get Wilshire Consumer Credit off your credit report and begin rebuilding your score.

About Wilshire Consumer Credit

Wilshire Consumer Credit, also known as Wilshire Commercial Capital, LLC, is a small collection agency and auto financing company located in Los Angeles, CA.

They are a subsidiary of Westlake Services, LLC and boast annual revenue of $4.2 million.

Like many debt collectors, they have faced many consumer complaints over the years.

In the past three years, the Better Business Bureau (BBB) has closed 377 complaints against them.

They have also been involved in 10 cases of civil litigation.

The culprit behind these cases and complaints is their disregard of the Fair Debt Collection Practices Act (FDCPA).

This is a federal regulation that prevents debt collectors from harassing or abusing consumers in the pursuit of payment.

If you experience any issues with Wilshire Consumer Credit, you have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB).

They are responsible for regulating debt collectors and enforcing the FDCPA.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Get Wilshire Consumer Credit Off Your Credit Report

Getting a collection off of your credit report is not the easiest endeavor, but it can be done through a few essential steps.

Here are the steps to take to remove Wilshire Consumer Credit from your credit history.

Ask Them for Debt Validation

When a debt is transferred from your original company to Wilshire Consumer Credit, it is possible that information about the debt is misinterpreted.

The debt collector may have inaccurate data about dates of account activity or debt balance.

The best way to ensure that Wilshire Consumer Credit has the correct data about your debt is to request debt validation.

Under the FDCPA, you have the right to ask them to verify that the debt is yours. You also have the right to know that they are legally permitted to collect it.

The rub with debt validation is that it is a time-sensitive step.

You only have 30 days after you begin hearing from a debt collector to request validation. So it’s important that you act fast.

HOW TO REQUEST DEBT VALIDATION

In order to request debt validation, you have to send Wilshire Consumer Credit a Section 609 letter.

This is a formal request for them to send you the information they have on your debt.

Make sure that you include your account number, name, and original creditor so that Wilshire Consumer Credit is able to locate your debt in their system.

Per the FDCPA, they are required to respond to your request within 30 days of receiving your debt validation letter.

You can request a return receipt when you send your letter to know for sure that they have gotten your letter.

Wilshire Consumer Credit should return with documents detailing your debt. Go through each page and make sure everything matches up with your own debt records.

If there is anything that doesn’t match what you have, you can contact the major credit bureaus and file a dispute.

They will investigate and remove Wilshire Consumer Credit’s account if they agree that there was inaccurate reporting.

Work Out a Pay-For-Delete Agreement

You are required to pay for your debt if Wilshire Consumer Credit is able to validate your debt.

However, you can use your payments to your advantage in the process.

I recommend trying to work out a pay-for-delete agreement in the event that you have to repay your debt.

This type of settlement allows you to restore your credit report to its former glory and prevent extensive damage to your credit score.

Start by offering Wilshire Consumer Credit a portion of your total balance in exchange for account removal.

This likely will not land the first time, so you will need to go back and forth with them until you come to a compromise.

Once Wilshire Consumer Credit agrees to remove the account, write up a contract that lists the terms and conditions in clear language.

Make sure that they sign this contract before you submit a payment on the debt.

It usually takes about a month for their entry to disappear from your credit report.

Keep an eye on it to make sure that they follow through on their end of the agreement.

Hire a Credit Repair Company

If negotiating with debt collectors isn’t in your wheelhouse, you can always outsource that task to a credit repair company.

Credit repair companies are a lifesaver for people that are either too busy or too nervous to deal with Wilshire Consumer Credit themselves.

They can take over the communications and negotiations so that you don’t have to worry about it.

Working with a credit professional allows you to reap all the rewards of a collection account deletion without having to do the hard work yourself.

However, it’s important that you work with a company that is worth the money you’re paying them.

Check out our reviews of the top credit repair companies to help you determine which is the best fit for you.

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Conclusion

Before you pick up the phone and pay Wilshire Consumer Credit, it’s worth the effort to try and stop their collections by removing their collection entry.

Even if you can’t remove the debt through validation, you can still work out a settlement that benefits both parties.

Dealing with debt collectors and collection accounts is one of the first steps to cleaning up your credit history.

It’s best to handle Wilshire Consumer Credit now so that you don’t have to deal with the consequences later.

It’s never too late to improve your credit score. Check out some of our other articles to learn how to improve your score.

How To Get Velocity Investments LLC Off Your Credit Report

Has Velocity Investments LLC caused your credit score to take a dive? It’s probably an old debt coming back to haunt you.

If you fail to make payments on a bill or loan, your creditor may hire Velocity Investments LLC to recover payments from you.

Unfortunately, paying them for the debt may not help matters. It may even lower your score further.

The best way to deal with them is to remove their entry from your credit report.

Fortunately, there are several approaches that you can take to stop their advances.

These steps will likely boost your score as a result.

About Velocity Investments LLC

Velocity Investments LLC is a small collection agency that is currently headquartered in New Jersey.

Founded in 2002, they have a headquarters staff of 10 employees and annual revenue of $1.3 million.

It is not surprising that they have a contentious relationship with their customers.

Since their founding, they have had 8 complaints filed against the Better Business Bureau (BBB) and 1 complaint with the Consumer Financial Protection Bureau (CFPB).

They have also been involved in 20 cases of civil litigation.

Customers say that Velocity Investments LLC violated their rights under the Fair Debt Collection Practices Act (FDCPA), which we will cover more in-depth later on.

If you believe that they have violated your rights under the FDCPA, you can file a complaint with the CFPB.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Get Velocity Investments LLC Off Your Credit Report

Want to stop Velocity Investments LLC’s calls and letters? The best way to get rid of them is to get them off your credit report.

Here are the essential steps to remove the collection account from your credit report.

Brush Up on Your FDCPA Rights

A debt collector’s entire job is to get you to make a lump sum or monthly payments in any way that they can.

This can involve flooding you with phone calls and letters and even go as far as threatening you.

You may not know this, but there is federal legislation in place that protects you from debt collector abuses.

Velocity Investments LLC is betting on you not being aware of your rights, but you can stop their manipulations by brushing up on your FDCPA rights.

The Fair Debt Collection Practices Act (FDCPA) prevents debt collectors from committing infractions such as:

  • Calling before 8 a.m. or after 9 p.m.
  • Contacting you at a time you have told them is inopportune.
  • Contacting friends, family, or colleagues regarding your debt.
  • Calling after you have requested contact through U.S. Mail.
  • Using profane or obscene language.
  • Misrepresenting themselves or information about the debt.
  • Reporting false information about the debt.

If you experience any of the above, you can file a complaint with the CFPB.

You can also work with legal representation and may be entitled to $1,000 per violation.

Write a Debt Validation Letter

The FDCPA doesn’t just limit what Velocity Investments LLC is allowed to do throughout the collection process. It also affords you several rights of your own.

You are allowed to ask them to prove that the debt they are trying to collect is actually yours.

This is known as debt validation and is one of the most important and time-sensitive steps when dealing with a debt collector.

To request debt validation, you need to send Velocity Investments LLC a formal request in the form of a Section 609 letter.

This letter will ask them to provide documents that prove that they own the debt and that you are responsible for repaying it.

Velocity Investments LLC must provide evidence within 30 days of receiving your letter. If they ignore your request, they are in violation of the FDCPA.

When they send you the documents regarding your debt, cross-reference them with your own paperwork.

Make sure that they have listed each detail correctly, such as dates of payment and your current balance.

If there is any detail that doesn’t match up, you can file a dispute with the credit bureaus using the advanced dispute method.

They will look into Velocity Investments LLC’s entry on your credit report and remove it if they agree that there are inaccuracies in their reporting.

Make a Deal with Velocity Investments LLC

If you’ve missed the 30-day deadline to request debt validation, your best bet is to make a deal with Velocity Investments LLC for them to remove your account in exchange for payment.

Known as a pay-for-delete agreement, this form of settlement is the most common type that consumers make with debt collectors.

It can work as a compromise for both parties. You get the collection account off your credit report, and Velocity Investments LLC gets payment on the debt. Everyone wins.

To kick things off, make an offer to pay Velocity Investments LLC for half of the total balance. It is highly unlikely that they will agree to this, but that’s ok.

It’s meant to be a starting point to give yourself room to negotiate.

One thing to remember is to hold steadfast to your requirement that Velocity Investments LLC deletes their account from your credit report.

This will prevent them from harming your credit for years to come.

Once you find a place to meet Velocity Investments LLC in the middle, draft a contract for them to sign. Make sure that you don’t pay them a dime until you secure their signature.

Velocity Investments LLC should contact the credit bureaus and remove their account within 30 days of receiving your payment.

Monitor your credit report to ensure that they actually follow through on their end of the bargain.

Ask for Help Dealing with Velocity Investments LLC

Velocity Investments LLC is a tough egg to crack. You may find it difficult to remove their collection account despite your best efforts.

This is a scenario in which a credit repair company can come in handy.

Credit repair companies can identify damaging accounts on your credit report and negotiate deletions on your behalf.

They can help you improve your credit and prevent you from dealing with Velocity Investments LLC altogether.

If you are interested in hiring a credit repair professional, you should check out our comparison list of the top companies.

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We can help you find the best match for your credit situation.

Improving your credit takes time and patience, but it is an achievable goal for everyone.

Check out some of our other popular articles to learn more about how to boost your score.

How to Get Works & Lentz, Inc. Off Your Credit Report

If a company called Works & Lentz, Inc. has started calling you out of the blue, it is probably because of an old debt.

You are probably wondering if they are a legitimate debt collector or not.

Works & Lentz, Inc. is completely legitimate, and they aren’t going anywhere until you pay up – or you remove their collections account from your credit report.

Before they are allowed to pursue you for debt recovery, they must first open a collections account with the major credit bureaus.

This account is damaging to your credit and can remain on your credit report for nearly a decade.

When dealing with Works & Lentz, Inc., the main objective is removing this account from your record so that your credit can begin to mend.

Luckily, there are tried-and-true ways to accomplish this.

About Works & Lentz

Originally founded in 2001, Works & Lentz, Inc. is an average-sized debt collector that is currently headquartered in Tulsa, OK.

They have a headquarters staff of 110 employees, and their annual revenue clocks in at about $13 million.

It shouldn’t come as a surprise that customers don’t like hearing from Works & Lentz, Inc.

In fact, they have amassed a number of complaints against them in their two decades in the industry.

They have about 25 complaints filed with the Consumer Financial Protection Bureau (CFPB) and 3 complaints with the Better Business Bureau (BBB).

They have also had at least 3 cases of civil litigation brought against them.

The rub when it comes to Works & Lentz, Inc. is their collection tactics. Some of their methods are not considered above board.

They have been known to neglect the Fair Debt Collection Practices Act (FDCPA) when contacting customers for payment.

Their infractions include failing to validate debts, calling multiple times a day, and reporting inaccurate information to credit bureaus.

If you experience FDCPA violations when dealing with Works & Lentz, Inc., you should file a complaint with the CFPB.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Get Works & Lentz, Inc. Off Your Credit Report

If you want to remove a collection from your credit report, you will need to follow the four steps outlined below.

Request Written Communication

When it comes to your money, you shouldn’t hold debt collectors to their word.

They are known for saying one thing on the phone and doing the opposite when it comes to brass tacks.

That’s why it is important to request that Works & Lentz, Inc. only communicate with you in writing.

The Fair Debt Collection Practices Act (FDCPA) gives you the right to ask for communication strictly via U.S. Mail.

This is meant to help you hold debt collectors accountable for the agreements they make with you.

Additionally, you can hold onto each piece of mail that they send you to help back up your case if they begin overwhelming you with letters.

Request written communication from Works & Lentz, Inc. is relatively simple.

Next time they call you, simply ask for them to only contact you through registered U.S. Mail moving forward.

If Works & Lentz, Inc. begins pushing back, tell them that they are in violation of the FDCPA and hang up.

Write a Debt Validation Letter

The next step is one that could get your debt removed with minimal effort.

You need to write a letter to Works & Lentz, Inc. asking them to validate your debt. Debt validation is another right that you have under the FDCPA.

Its purpose is to allow you to review the information Works & Lentz, Inc. has to ensure that you are making payments on a debt that is valid and – most importantly – yours.

Many people don’t bother requesting debt validation because they know that the debt is, in fact, theirs.

However, they are missing a prime opportunity to get the debt removed on a technicality.

If Works & Lentz, Inc. has any information wrong about your debt in their records, they are required to remove their entry from your credit report and stop collections.

The CFPB takes inaccurate reporting very seriously, so it’s worth it to see if there is anything amiss about Works & Lentz, Inc.’s collection entry.

HOW TO REQUEST DEBT VALIDATION

To formally request debt validation, you must write a debt validation letter.

This letter is also known as a Section 609 letter and asks them to confirm the details of your debt.

It is highly important that you do not procrastinate when sending this letter. The FDCPA only protects your right to ask for debt validation within the first 30 days of hearing from a debt collector.

If you wait beyond that, they may not honor your request.

If Works & Lentz, Inc. is unable to provide information about your debt at all, they must remove their account from your credit report.

However, they will probably return with several documents that list various details about your account.

Go through each page and look for any inaccuracies or omissions. If you find anything, you can file an advanced dispute with the major credit bureaus to have Works & Lentz, Inc.’s account removed.

Negotiate a Settlement

If debt validation doesn’t work out, your next step is to negotiate a settlement.

Works & Lentz, Inc. may be able to provide full and accurate details about your debt. In that case, you must repay the debt to them.

However, that doesn’t mean that you have to walk away completely empty-handed.

You could get away with paying less than the total balance or getting the collection account removed from your record.

Start negotiations with Works & Lentz, Inc. by offering them part of the total amount of the debt. This gives you some wiggle room when it comes to compromising on terms.

The one thing you should not compromise on is Works & Lentz, Inc. deleting the account.

Removing the account will boost your credit and lower your interest rates when you apply for loans and credit cards later on.

After you settle on terms and conditions, work up a contract that both you and Works & Lentz, Inc. can sign.

Don’t make any payments on the debt until they have agreed to the terms and signed the contract.

Works & Lentz, Inc. should contact the credit bureaus and remove their account once they receive your initial payment.

It takes about one month for the entry to disappear, so monitor your report to ensure that it goes away.

Hire a Credit Professional To Deal with Works & Lentz

You may feel uncomfortable taking on a debt collector like Works & Lentz, Inc. all on your own.

Luckily, there are professionals out there that can deal with them for you.

Credit repair professionals specialize in identifying and removing damaging accounts from your credit history. This goes beyond just collection accounts.

They can help you with judgments, bankruptcies, liens, and more.

Like many industries, there are companies in the credit repair space that are simply not worth the money.

It’s important that you do your research before you hire professional help.

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Conclusion

People who are contacted by a debt collector will sometimes try ignoring them in the hopes that they will go away.

This never works and will certainly make things worse for you down the line.

If you are dealing with Works & Lentz, Inc., it is best to deal with the situation as promptly as you can.

If you follow the four steps above, you should be able to remove them from your credit report.

This will save you many headaches in the future when you apply for loans or credit cards.

Everyone has the ability to repair their credit and boost their score.

How to Get TRS Recovery Services Off Your Credit Report

Millions of Americans have debts in the collection stage. If you have heard from a company called TRS Recovery Services, you are not alone.

It can be stressful to deal with a debt collector. But you can stop their collection efforts through a series of steps.

In our guide below, we will break down everything you need to know about TRS Recovery Services.

We’ll also explain how to confront them and how to delete them from your credit report.

About TRS Recovery Services, Inc.

TRS Recovery Services, Inc. is a small debt collection agency that was originally founded in 1989.

Their headquarters are located in Marietta, GA, and have a staff of five people.

Their revenue is about $500,000 per year.

In their nearly three decades of operation, they have accumulated numerous complaints from customers.

They currently have 50 complaints with the Consumer Financial Protection Bureau (CFPB) and 224 complaints filed with the Better Business Bureau (BBB).

They have also had 2 cases of civil litigation brought against them.

TRS Recovery Services has been accused of abusing consumers’ rights under the Fair Debt Collection Practices Act (FDCPA).

This includes calling at unreasonable hours, ignoring debt validation requests, and reporting inaccurate information to credit bureaus.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Get TRS Recovery Services Off Your Credit Report

Here are the steps you must take in order to effectively deal with TRS Recovery Services and remove their collection account.

Write a Goodwill Deletion Letter

If this debt constitutes a minor slip-up on your account, you can try asking TRS Recovery Services for a goodwill deletion.

A goodwill deletion is when a debt collector decides to remove their account from your credit report out of benevolence.

They will only be willing to remove your account if you have already paid the debt and if this infraction is an exception.

To ask for a goodwill deletion, you will need to write TRS Recovery Services a letter explaining why you were late on your payments in the first place.

If you had a job loss or medical expense that prevented you from making payments, you should mention this.

It’s important to be polite in your goodwill deletion letter. TRS Recovery Services would be doing you a favor by removing the entry from your credit report.

You should approach the situation with kindness if you want to see success.

Ask for Validation on the Debt

If you act fast, you should be able to ask TRS Recovery Services for validation on the debt.

You are granted the right under the FDCPA to ask a debt collector to provide you with evidence that you owe the debt they are attempting to recover.

However, this privilege is bound by a time restriction.

The FDCPA only guarantees your ability to request debt validation within the first 30 days of hearing from TRS Recovery Services.

You should not procrastinate this step because it could get your debt taken off your record.

Send them a letter requesting that they provide you with proof that they are authorized to collect your debt.

If you are unsure how to craft a debt validation letter, I have a sample letter that can help you get started.

TRS Recovery Services should return with various forms that list the details of your account.

Chances are, they may not be able to do so. If that’s the case, they are required to report this to the credit bureaus and remove the account.

Strike a Deal with TRS Recovery Services

If a debt collector can validate your debt, the next step is to strike a deal with them to remove their collection account.

This can be accomplished by working out what is known as a pay-for-delete agreement with TRS Recovery Services.

Pay-for-delete agreements take advantage of a debt collector’s ability to remove their entry from your credit report.

Any payment that you make to them means that they are making a profit. They are often willing to bend the rules to get you to make payments on your debt.

Because a debt collector often purchases debt for a fraction of the balance, you can sometimes get away with paying less than what you owe.

Start by offering them a portion of the debt in exchange for deletion.

Go back and forth with them until you can get them to agree to a deletion in exchange for payment.

Get them to send you the agreement in writing so that you have proof of the arrangement.

TRS Recovery Services should contact the credit bureaus individually and remove the account from your credit report within 30 days of receiving your first payment.

If it still appears after a month, reach out to them and remind them to get a move on.

Hire a Credit Professional

If you don’t feel like dealing with TRS Recovery Services, you don’t have to. You can hire a credit professional to help you clean up your credit report.

Credit repair professionals understand the motivations of companies like TRS Recovery Services.

They know exactly what to say in order to get them to agree to remove their collection account from your credit report.

We have several reviews of top credit repair companies that can help you decide which one to work with.

Be sure to consider your top credit concerns and budget when choosing a credit repair company.

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Conclusion

Everyone has the capability to improve their credit. All it takes is patience, time, and knowledge of the best steps to take.

If you would like to know how to improve your credit and boost your score, check out some of our top-rated articles.

The ability to reach your financial dreams starts with you.

How To Remove Atlantic Credit & Finance From My Credit Report

Is your credit score suffering because of debt in collections?

Debt collectors can add stress to your everyday routine, calling constantly, sending letters, and even worse, damaging your credit.

If you’ve been contacted by Atlantic Credit & Finance about late payments, you probably have a lot of questions.

In the guide below, we have the answers you need to deal with Atlantic.

We’ll tell you a little more about Atlantic Credit, how debt collection works, and what you can do to get the collections agency off your credit report, stopping their calls in the process.

What Is Atlantic Credit & Finance?

Atlantic Credit & Finance isn’t a household name, leading many consumers to question whether or not it’s legit when they find it on their credit report.

However, Atlantic Credit & Finance, LLC, is a legitimate debt collection agency.

They’ve been operating since 1996 and are headquartered in Roanoke, Virginia, with an additional office in St. Cloud, Minnesota.

You can find Atlantic at the agency’s main office address:

Atlantic Credit & Finance, Inc.
111 Franklin Road SE
Suite 400
Roanoke, VA 24011

What Debts Does Atlantic Credit & Finance Collect?

Atlantic is a part of Encore Capital, a large corporation that purchases consumer debts from a long list of industries.

That means Atlantic could be contacting you about any of the following common types of debt, and potentially others:

  • Auto loans
  • Credit card bills
  • Medical bills
  • Telecomm
  • Utilities

How Does Atlantic Credit & Finance Work?

New to debt collection? Here’s how it works.

If one of your payments, your phone bill, for instance, slips through the cracks, your service provider will send you reminders about paying it for a while.

But if their attempts don’t work, they will eventually turn your debt over to a debt collector.

Sometimes, companies pay collection agencies to aid them in getting people to pay their balances. Other times, they sell the debts to them at deep discounts.

The latter is likely the case with Atlantic.

Once the agency buys your debt, they can hound you with robocalls, messages, calls from representatives, and letters until you make payment.

At the same time, they’ll report your delinquency to one or more of the credit bureaus.

This results in a collections entry on your report, which can do some major damage to your payment history, potentially leading to a steep drop-off for your score.

Collections entries can have serious repercussions over time because, unlike hard inquiries, which fall off your report after two years, these entries stay on your report for 7 years.

Many consumers make the mistake of just paying off their debt and assuming it will be deleted from their report as a result.

Unfortunately, paying your balance, even in full, won’t get it deleted. We’ll show you what you need to do to have the account wiped from your report below.

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How to Deal with Atlantic Credit & Finance

Collections agencies are known for pushing the boundaries in their collection attempts, using borderline harassing techniques.

They also get called out for faulty reporting, as you can see from complaints filed against the agencies with the Consumer Financial Protection Bureau and the Better Business Bureau.

Many people aren’t aware that they are protected by the Fair Debt Collection Practices Act.

The FDCPA sets standards for how debt collectors interact with consumers.

For instance, it keeps collection agents from calling you late at night and early in the morning. It also restricts them from contacting your loved ones, coworkers, or anyone else regarding your debt.

Moreover, it lets you decide how you wish to communicate with Atlantic. It’s always advisable to communicate with debt collectors in writing.

Not only does it halt the agency’s frustrating phone calls, but it also allows you to document every encounter you have with the agency, which can help you get them removed from your credit report.

3 Ways to Remove Atlantic Credit & Finance from Your Credit Report

Now that you know more about who Atlantic is and how the FDCPA protects you from harassment, here are a few strategies to get the collections account off your credit report for good.

  1. Ask for validation
  2. Negotiate a pay-for-delete agreement
  3. Hire a credit repair company

1. Ask for Validation

The easiest way to get a collections agency off your report is also free.

The FDCPA allows you 30 days to dispute a debt.

If you send Atlantic a debt validation letter in that timeframe, they’ll have to provide you with details proving that your debt is legitimate.

Individuals who are being contacted by Atlantic by mistake should absolutely send a letter disputing the debt to clear up the error.

But they aren’t the only ones who should.

Atlantic is a third-party collections agency. Sometimes documents get lost in the shuffle and these agencies don’t have the information they need to prove their collections attempts are legit.

In both cases, if Atlantic can’t furnish you with your account information, the bureaus will remove the entry from your account, and the agency will stop contacting you.

Bottom line: If it’s been less than a month since Atlantic first contacted you and showed up on your report, it can’t hurt to submit a debt validation letter, whether your debt is legitimate or not.

2. Negotiate a Pay-for-Delete Agreement

Debt validation isn’t guaranteed to work. If a collections agency is able to present you with evidence of your debt, or you missed out on the 30-day window for dispute, you still have options.

Your second-best strategy is to arrange a pay-for-delete agreement.

As stated earlier, paying off your debt does not mean that a collections entry will be removed from your report.

The only way to get it deleted (outside of debt validation) is to get the agency to agree to have it removed.

In a pay-for-delete situation, you’re essentially paying the agency an agreed-upon amount to have the collections entry deleted from your report.

The best part of this type of arrangement is that you can probably get the agency to agree to accept a lower amount than what you owe them to satisfy your account.

Third-party collection agencies like Atlantic buy debts for pennies on the dollar, so settling for a negotiated amount is still a profit for them.

Try negotiating to pay half of what you owe. The agency could agree to report your payment to the credit bureaus and have the entry deleted in exchange.

Just be sure to negotiate with the agency in writing to ensure that both sides keep their promises.

Monitor your credit closely after you make a payment. Your score should be updated within 30 days.

Get a Free Copy of Your Credit Report

3. Hire a Credit Repair Company

If you aren’t eager to communicate with Atlantic one-on-one, but you’re ready to stop their calls and get them off your credit report, a credit repair company can help.

These companies provide expert, tailored services to help you rebuild your credit, whatever might be bringing it down.

They can easily dispute inaccuracies and negotiate with agencies to ensure that collections accounts don’t stay on your credit report for long.

More than that, they can assist you in repairing your credit in the wake of other serious credit issues, such as:

  • Repossessions
  • Judgments
  • Foreclosures
  • Bankruptcy
  • Liens

If your credit needs some major improvement and you don’t know where to begin, paying for a credit repair service is a no-brainer.

How To Remove Autovest LLC From Your Credit Report

It’s all too easy to fall behind on car payments and find yourself with a collections entry on your credit report.

Whether you simply forgot to pay your bill or you’re dealing with financial hardship, you could be contacted by a collections agency like Autovest LLC.

When your debt goes into collections, it can have serious repercussions for your credit score and add unnecessary anxiety to your life.

Fortunately, getting a collections account off your credit report is easier than you might expect.

Below, we’ll give you a better idea of who Autovest is and show you how to get them deleted from your credit report.

What Is Autovest LLC?

Unfamiliar with the name Autovest LLC? You can rest assured knowing Autovest is a legitimate company.

The collections agency has been around since 2003, collecting on automobile debts across the country.

According to its website, the agency holds over $1.7 billion of consumer auto debt, purchased from banks and auto financiers.

You can reach Autovest at the address below:

26261 Evergreen Rd Ste 390
Southfield, MI 48076

How Does Autovest LLC Work?

When lenders and service providers are unable to reach you and you fail to make a payment on your account, they eventually turn over your debt to a collections agency like Autovest.

While some agencies are paid to assist the companies in collecting debts, Autovest purchases the debts outright.

Once the agency owns your debt, it gets reported to one, two, or all of the major credit bureaus.

A collections entry is added to your report, where it stays for seven years unless you get it removed.

Collections entries may only lower your score slightly depending on your overall credit use and other factors, or it can do significant damage.

This type of entry can bring down your payment history, which accounts for 35% of your credit profile.

In addition to bringing down your credit score, a collections account means you’ll get frequent phone calls, robocalls, and letters from the agency until payment is made.

But don’t pick up the phone or log in to the Autovest website to make a payment just yet, because simply making a payment won’t lead to the collection account’s deletion from your report.

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How to Deal with Autovest LLC

Like most debt collectors, Autovest has its share of negative reviews from consumers, including complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau.

Some complaints are concerned with the agency’s failure to respond to requests for debt validation and their faulty reporting.

In light of those complaints, it’s important to understand the rights granted to you by the Fair Debt Collection Practices Act.

The FDCPA keeps debt collectors from harassing you and seeks to ensure accurate reporting.

Here are a few specific protections offered by the FDCPA:

  • Debt collectors can’t talk to other people about your debt.
  • They may not call you outside of 8 a.m. to 9 p.m.
  • Agencies must provide validation of debts if requested within 30 days.
  • You may choose a preferred method of communication.

The last provision is an important one. For the best results, you should always communicate with Autovest in writing.

That way, you’ll have the documentation you need to get Autovest off your credit report.

3 Ways to Remove Autovest LLC from Your Credit Report

Ready to say goodbye to Autovest LLC?

Below are three strategies that can help you with removing the collections account from your credit report.

  1. Send a debt validation letter
  2. Negotiate a payment
  3. Pay for professional help

1. Send a Debt Validation Letter

According to the Fair Debt Collection Practices Act, you can request more information about the debt a collections agency is seeking to collect on.

If you submit a debt validation letter within 30 days of being contacted by Autovest, they are legally required to furnish you with proof of your debt.

That might include your auto lender’s name, your account number, and dates surrounding your payment history.

If you’ve never fallen behind on car payments and Autovest’s entry on your credit report came as a surprise, you may be a victim of identity theft or simply the subject of a reporting error.

In both cases, you should send a debt validation letter to get to the bottom of the issue.

But individuals with legitimate debt may find this strategy to be successful, too.

Debt collection agencies, especially third-party entities like Autovest LLC don’t always retain the documentation they need to validate your debt.

Without proof of your debt, they would have no choice but to cease their collection attempts.

That would not only put an end to their calls and letters, but it would also result in the immediate deletion of the entry from your credit report.

Submitting a debt validation letter couldn’t be easier, and it could solve your collections issues without costing you more than an envelope and postage.

Get a Free Copy of Your Credit Report

2. Negotiate a Payment

If it’s too late to send a debt validation letter, or the agency was able to validate your debt, you should try arranging a pay-for-delete agreement.

Remember that paying the full amount you owe Autovest will not lead to its removal from your credit report.

Instead, you need to offer to pay the agency to get the negative entry deleted from your report.

Their consent is key here. The best part of a pay-for-delete is that you might be able to get Autovest to settle for less than what you owe them.

Try negotiating to pay 30 to 50% of your account balance, and you could walk away debt-free without paying all of what you owe.

For this strategy to work, you should negotiate with Autovest in writing. If you get someone to agree to accept your payment in exchange for a deletion over the phone, there may not be any proof of your arrangement.

A letter gives you clear-cut documentation to see your case through. If you aren’t already, sign up for free credit monitoring and track your score in the weeks following your payment.

Your report should be updated within a month’s time. If it isn’t, you should send the agency and potentially the credit bureaus a letter following up on the situation.

3. Pay for Professional Help

Dealing with debt collection agencies can sometimes be an unpleasant experience. At the very least, it’s time-consuming.

If you’d rather leave it to someone else, a credit repair company could be well worth the cost.

These companies are staffed with experts who will evaluate every aspect of your credit to see what areas need improvement.

Then, they’ll create a plan and actively work to get your score up.

That includes disputing inaccurate reporting and negotiating with collections agencies like Autovest.

They can tackle a number of challenging credit problems, like:

  • Bankruptcy
  • Liens
  • Judgments
  • Repossession
  • Hard inquiries
  • Identity theft

Many of these companies offer multiple levels of service at different price points so you can choose a package that fits your budget and your needs.

If your score could use a lift and you don’t know where to begin, give one of our top credit repair companies a try.

How to Remove Advanced Collection Bureau Inc From Your Credit Report

There’s no denying that the current pandemic has left many Americans in an impossible situation.

Many people are having to choose between paying bills on their student or car loans and providing food for their families.

If you have had a bill go into collections, you may start hearing from a company called Advanced Collection Bureau Inc.

They are a debt collector that has either been hired by your original creditor or has purchased the debt at a fraction of the price.

No matter how Advanced Collection Bureau Inc came into the rights to collect your debt, they’re here to stay.

They are persistent and will employ a number of intrusive tactics to get you to pay up.

Unfortunately, this is the least of your worries when it comes to your credit health.

In order to pursue you for payments, Advanced Collection Bureau Inc has to open a collections account on your credit report.

This collections account can damage your credit score for up to seven years, even if you end up paying the debt.

So, how can you stop Advanced Collection Bureau Inc from wrecking your credit?

The best thing to do is to remove them from your credit report as quickly as you can.

Keep reading to learn more about Advanced Collection Bureau Inc and how you can get them off your credit report.

What is Advanced Collection Bureau Inc?

Headquartered in Rockledge, FL, Advanced Collection Bureau Inc is a debt collection agency that recovers unpaid bills on behalf of creditors and lenders.

They work in a variety of industries including commercial, health care, and utility providers.

It’s pretty common for debt collectors to have complaints filed against them. After all, they are not the most pleasant people by which to be contacted.

Advanced Collection Bureau Inc has had a number of complaints filed against them over the years with groups like the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

They have even had 10 cases of civil litigation filed against them since their founding.

Advanced Collection Bureau Inc has a reputation for bending the rules, specifically the guidelines established under the Fair Debt Collection Practices Act (FDCPA).

The FDCPA states which practices are appropriate and inappropriate according to the law.

Unfortunately, Advanced Collection Bureau Inc tends to conveniently ignore these rules when they count.

If you find that they are violating your FDCPA rights, you can file a complaint or lawsuit as well.

You may be entitled to damage payouts if you work with proper representation.

How to Remove Advanced Collection Bureau Inc From Your Credit Report

You may be wondering how you can remove Advanced Collection Bureau Inc from your credit report.

Luckily, there are several proven ways to get them to delete the entry and boost your score.

Here are the best steps to take to remove the collection from your credit report for good.

  • Goodwill Deletion
  • Debt Validation
  • Pay for Delete Agreement

Request a Goodwill Deletion

This has been a difficult time, and many people have had bills go to collections for the very first time in their lives.

If you are typically good about paying your bills but have run into a hard time, Advanced Collection Bureau Inc may be inclined to grant you a goodwill deletion.

A goodwill deletion is when a collection agency is willing to stop reporting the debt to credit bureaus out of benevolence.

This is typically only done when Advanced Collection Bureau Inc can tell that the nonpayment was caused by circumstances that were out of your control, such as financial hardship from the pandemic.

However, it is important to know that Advanced Collection Bureau Inc is also usually only willing to grant goodwill deletions to those whose debts are paid.

If you still have a balance on your debt, this likely will not work for you.

The first step to asking for a goodwill deletion is writing a letter to Advanced Collection Bureau Inc explaining why you were late on your payments in the first place.

If you lost your job or were saddled with medical bills, you should mention this in your letter.

You should know that Advanced Collection Bureau Inc is exceptionally skilled at recognizing when people are lying about their reasons for nonpayment.

Make sure that whatever you tell them is the truth. They will likely ask you to provide documentation to back up your claims.

Get a Free Copy of Your Credit Report

Request Debt Validation

If this is not your first debt that has gone to collections, a goodwill deletion likely won’t work for you.

Instead, you can try getting the debt deleted on a technicality by requesting a debt validation.

Debt validation is a right that is granted to you in the Fair Debt Collection Practices Act under section 609.

Under this clause, you are allowed to request that Advanced Collection Bureau Inc send you proof that the debt is yours and that they may lawfully to collect it.

However, this right is only granted to you within the first 30 days of being contacted by Advanced Collection Bureau Inc.

If you wait beyond this, they are not required to respond to your request.

Start by writing a Section 609 letter, also known as a debt validation letter, to Advanced Collection Bureau Inc.

This is a formal request for them to send you all the proof they have that the debt belongs to you.

If you aren’t sure how to write the letter, we have a debt validation letter template that can help you get started.

When you send your letter, make sure to request a return receipt from the carrier. This is how you can know for sure that Advanced Collection Bureau Inc has received your letter.

Advanced Collection Bureau Inc should respond to your request for validation within 30 days of getting your letter.

This should come in the form of pages of documents detailing your debt. Compare this to the information that you have on your debt and note any inaccuracies.

If you find any glaring errors, you can file a dispute with the major credit bureaus.

They will investigate separately and remove Advanced Collection Bureau Inc’s entry if they find that they are reporting erroneous information.

Make a Pay-for-Delete Agreement

When Advanced Collection Bureau Inc acquires your debt, they typically do not pay your original creditor the full amount for the debt.

They usually only pay a fraction of the balance.

The creditor agrees because they want to get rid of the debt as soon as they can, and Advanced Collection Bureau Inc stands to make a profit on the difference.

What this means for you is that you may be able to get away with negotiating a settlement to pay less than the full amount of your debt.

The most important thing, though, is to get Advanced Collection Bureau Inc to agree to delete their account from your credit report.

This entry is what will continue to damage your score down the road, so it’s important to keep your eyes on the horizon and secure a deletion.

To begin, offer to pay Advanced Collection Bureau Inc a portion of your balance in exchange for them removing all of the negative information related to your debt from your credit report.

Work with them until you come to terms and a payment amount that you can agree on.

It is important that you have Advanced Collection Bureau Inc send you the full agreement in writing.

If you neglect to request this and make a payment before you receive it, you will have no proof of the agreement.

Once you receive the contract and approve of the terms as they are written, make your initial payment to Advanced Collection Bureau Inc.

You should notice their entry disappear from your credit report within a month or so.

If not, reach back out to them and prompt them to make the deletion.

Hire a Professional

If calls from Advanced Collection Bureau Inc are keeping you up at night, you should know that there are ways that you can solve the problem and keep them from destroying your credit.

Follow the steps above or work with a credit repair company, and you’ll never have to hear from Advanced Collection Bureau Inc again.

Everyone can improve their credit with a little patience and a lot of determination.

Check out more of our articles to learn how you can boost your score and improve your credit history.

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How to Remove Assetcare LLC from Your Credit Report

Medical debt is one of the most common types of debt in the United States.

If you have an old medical bill hanging over your head, you may begin to hear from a company called Assetcare LLC.

Assetcare LLC is a debt collector that specifically collects debts in the health care industry.

In order to collect money from you, they have either purchased your debt from the original provider or have been contracted to collect payments from you.

No matter how they acquired your debt, Assetcare LLC is relentless and will not stop contacting you until you pay them.

However, you can stop their harassment by removing them from your credit report.

Your credit report details your credit history, which includes unpaid bills that have gone to collections.

Assetcare LLC must open a collections account on your credit report in order to pursue you for payments.

If you remove this entry, you can prevent long-term damage to your credit score and possibly get out of paying the debt.

Read on for our in-depth guide on what Assetcare LLC is and how you can remove them from your credit report.

What is Assetcare LLC?

Founded in 2016, Assetcare LLC is a small debt collection agency that is headquartered in Sherman, TX.

They also conduct business under the name CF Medical VI LLC and collect exclusively on behalf of medical and health care providers.

Like many debt collectors, Assetcare LLC is not popular among consumers. They have had a number of complaints lodged against them with the Consumer Financial Protection Bureau (CFPB).

They also have a B- rating with the Better Business Bureau (BBB).

These complaints are a reflection of how Assetcare LLC conducts business, which is to say that they have a number of aggressive tactics.

They are known for violating the Fair Debt Collection Practices Act (FDCPA) in pursuit of profit.

We will discuss later what the FDCPA entails and how it can protect your rights as a consumer.

If you feel that Assetcare LLC has violated your FDCPA rights, you should consider filing a complaint as well.

How to Remove Assetcare LLC from Your Credit Report

Here are the three essential steps to get Assetcare LLC to remove the collection account from your credit report.

  • Educate Yourself
  • Debt Validation
  • Debt Settlement

Educate Yourself on the FDCPA

We mentioned before that there is federal legislation in place to help protect you from abuse from debt collectors like Assetcare LLC.

But what exactly is the FDCPA?

The Fait Debt Collection Practices Act (FDCPA) was enacted in 1977 and works to prevents debt collectors from treating consumers poorly in pursuit of a debt.

In the past, debt collectors had acted like little more than thugs; they threatened violence, lawsuits, and credit destruction, all in pursuit of payments on a debt.

Thanks to the FDCPA, debt collectors must act with professionalism and treat their customers with the dignity that they deserve.

Assetcare LLC may, unfortunately, ignore some of the rules set forth by the FDCPA under the assumption that you don’t know they exist.

That is why it is extraordinarily important that you educate yourself on your rights under the FDCPA.

Under the FDCPA, Assetcare LLC is prohibited from certain practices, such as calling at unusual times or contacting your friends and family regarding your debt.

They also must refrain from using profane or abusive language when they contact you.

Additionally, the FDCPA grants you certain rights, such as the right to request debt validation or request only written communication from Assetcare LLC.

It is important that you take advantage of these rights because they can help you later on down the line.

Be sure to read up on all your rights under the FDCPA so that Assetcare LLC can’t take advantage of you throughout this process.

Get a Free Copy of Your Credit Report

Write a Debt Validation Letter

One of the most important rights that you have under the FDCPA is the right to request debt validation from a debt collector.

You will need to act fast, though. Assetcare LLC is only required to validate your debt within 30 days of first contact.

Debt validation lets you confirm that a debt collector is permitted to collect payments from you and has the correct information about your debt.

It allows you to make sure that Assetcare LLC isn’t trying to hound you for someone else’s debt.

Even if you are certain that the debt belongs to you, you should still take advantage of your right to validate the debt.

This is because it’s possible that Assetcare LLC got some details mixed up and is reporting false information to credit bureaus.

If this is the case, you can file a dispute and have the debt taken off your record without making any payments.

To begin, mail a request to Assetcare LLC for them to validate the debt. You don’t need to provide a specific reason that you would like them to validate the debt.

You can simply say that you dispute the debt and would like them to provide proof that it belongs to you.

Assetcare LLC should respond to your request within 30 days of receiving your letter.

If they are unable to validate the debt, they must contact the major credit bureaus and remove the collections account from your record.

Work out a Settlement

Debt validation doesn’t always work as a means to get a debt removed.

If Assetcare LLC is able to validate your debt, you should go ahead and settle up with them.

However, you shouldn’t just pay them outright, as this will end up hurting your credit in the long run.

Instead, you should use your payments as leverage to get their collections entry deleted from your credit report.

Known as a pay-for-delete agreement, this form of settlement involves paying Assetcare LLC for the debt in exchange for them agreeing to remove their account from your credit report.

It can be tricky to negotiate a pay-for-delete agreement, but Assetcare LLC may be willing to give it a shot if they’re desperate enough for your money.

Start by offering to pay a portion of the debt to set the bar low. Work your way up until Assetcare LLC agrees to delete their entry from your credit report.

This is the most important term, and you should not agree to a settlement unless they agree to delete the entry.

Assetcare LLC should send you a written agreement in U.S. mail once you come to terms that work for both of you.

Don’t make a payment to them until you receive this in the mail and approve of the way it’s written.

It typically takes about a month for a debt collector to remove a collections account from a credit report.

Carefully monitor your report to make sure that Assetcare LLC follows through on their agreement.

If it’s still there after 30 days, reach back out and remind them.

Hire a Professional

Assetcare LLC can be difficult to negotiate with, especially if you aren’t specifically skilled in the art of negotiation.

If you are having trouble getting them to agree to remove their account, you can always hire a credit repair company to do the hard work for you.

Credit repair companies use their years of experience and industry knowledge to leverage with Assetcare LLC and secure you a deletion.

This can save you time dealing with them on your own and money in the form of interest rates in the long run.

One of the best credit repair companies out there is Lexington Law.

They have over 28 years of experience working with companies like Assetcare LLC and can help you get your credit report back in a good place.

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For more tips on how to improve your credit, check out more of our popular articles.

Everyone has the power to improve their credit and achieve their financial goals.

How To Remove 09 Tempoe LLC From Your Credit Report

Have you been contacted by a company identifying themselves as 09 Tempoe LLC?

It’s probably because you forgot to pay a bill, and it’s coming back around to bite you.

09 Tempoe LLC is an alternative lender to traditional financing options.

They can help you fund large purchases, such as jewelry, electronics, or automobiles.

However, you can run into major trouble if you default on your loan.

When you fail to make payments on your loan, 09 Tempoe LLC will move the bill to collections.

This means that they will open a collection account on your credit report and begin to report the unpaid bill to major credit bureaus.

When this occurs, you will see a major drop in your credit score and may have trouble qualifying for loans and credit cards in the future.

What is 09 Tempoe LLC?

Also known as Tempoe Financial, 09 Tempoe LLC is a nontraditional lender that offers no credit required leasing options for personal and automotive loans.

Their loans have a five-month minimum loan period and can be used to finance a variety of purchases.

They are headquartered in Cincinnati, OH, and have over 6.8 million loans in their lifetime as a company.

Like many companies that collect debts in-house, 09 Tempoe LLC has had a number of complaints filed against them over the years with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

Customers complain that 09 Tempoe LLC violated many of their FDCPA rights including failing to validate debts and harassment from customer service representatives.

If you are having problems with them as well, you should consider filing a complaint.

How to Get 09 Tempoe LLC Off Your Credit Report

Here are the best steps to take to remove the collection from your credit report.

  • Know Your Rights
  • Request Debt Validation
  • Negotiate a Settlement
  • Ask for Help

Understand Your FDCPA Rights

Many people assume that dealing with abuse from debt collectors is all part of the process.

However, that could not be further from the truth.

You may not realize this, but there is a federal law in place that protects you from abuse and deception from debt collectors like 09 Tempoe LLC.

Specifically, the Fair Debt Collection Practices Act (FDCPA) protects consumer’s rights from debt collector abuse and lays out ground rules for proper engagement.

Under the FDCPA, 09 Tempoe LLC is prohibited from engaging in the following tactics:

  • Calling you before 8:00 a.m. or after 9:00 p.m.
  • Calling you multiple times a day
  • Talking to anyone besides you about your debt
  • Using profanity or abusive language
  • Threatening legal action that they don’t intend to take
  • Failing to notify you of your right to dispute the debt
  • Trying to collect more than legally allowed

Understanding your rights under the FDCPA is very important for debt consumers.

It allows you to keep 09 Tempoe LLC in check throughout your correspondence with them.

It can also help you understand what rights are afforded to you under the law, even if 09 Tempoe LLC fails to inform you.

If you are having trouble with any of the above, you should consider filing a complaint with oversight bureaus or perhaps pursuing legal action.

You can be rewarded up to $1,000 per infraction if you work with the right representation.

Get a Free Copy of Your Credit Report

Ask for Debt Validation

A particularly important right that is granted to you under the FDCPA is the right to request debt validation from a debt collector.

This can help you determine if 09 Tempoe LLC is reporting false information about your debt or if they are trying to collect payments from you on someone else’ debt.

Even if you know that the debt is yours, you should still take advantage of your right to request debt validation.

This is because you can get the debt removed from your record if 09 Tempoe LLC is reporting any information about your debt inaccurately.

This means that the debt will be voided without you having to pay a cent.

To formally request debt validation, you need to write 09 Tempoe LLC a debt validation letter.

It should ask them to confirm certain details about your debt, including the date of last account activity, total balance, and account number.

If you are having trouble writing a debt validation letter, we have a template that can help you get started.

09 Tempoe LLC should respond to your request within 30 days of receiving your letter.

They should send you documents meant to prove that the debt belongs to you and that they are authorized to collect it.

Go through each page and mark any information that doesn’t match what you have.

If you find any outright inaccuracies, you can submit a dispute with the major credit bureaus.

Each bureau will conduct its own investigation into the matter and come to their own conclusions.

If they agree that 09 Tempoe LLC is reporting inaccurate information about your debt, they will delete the account from your record.

Work out a Pay-For-Delete

Getting your debt removed through debt validation can be a long shot.

If 09 Tempoe LLC is able to prove that the debt belongs to you, your next step would be to work out a pay-for-delete agreement with them.

A pay-for-delete agreement hinges on your ability to leverage your payments in exchange for account deletion.

In other words, you need to be able to negotiate with 09 Tempoe LLC to get them to delete their entry from your credit report.

This isn’t always easy, but you may be successful if 09 Tempoe LLC is desperate enough for your money.

To begin, offer to pay 09 Tempoe LLC around half of what you owe them. Work with them to come up with reasonable terms that include a full deletion in exchange for your payment.

Once an agreement is reached, have 09 Tempoe LLC send you the full contract with terms in writing.

Make sure that you only make your first payment after you receive the contract and review the terms in their entirety.

It usually takes about a month for debt collectors to remove a collections account from a credit report.

Monitor your report to ensure that 09 Tempoe LLC upholds their end of the bargain. If they don’t, reach out and remind them.

Hire a Credit Repair Company

If you are unable to make headway with 09 Tempoe LLC no matter what, you should consider hiring a credit repair company to remove the account for you.

Credit repair companies are professionals that use their industry knowledge to remove damaging accounts from your credit report.

They can help you clean up your credit history so that you will have an easier time applying for loans and credit cards down the line.

One of the most reputable credit repair companies out there is Lexington Law.

They have experience dealing with 09 Tempoe LLC and remove millions of accounts from customers’ credit reports each year.

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Final Words

Dealing with 09 Tempoe LLC can be a real headache, but it doesn’t have to be.

If you follow the steps above, you can have them removed from your credit report and begin rebuilding your credit history.

We believe that everyone has the ability to improve their credit.

If you would like to learn more about how you can get started, check out some of our most popular articles.

Make this the year that you achieve your financial goals.

How To Remove ACS Inc. From Your Credit Report

The American debt crisis is a growing one. Especially since the start of this year, many Americans have been struggling to manage their bills or make payments on existing debts.

If you have had an overdue bill move to collections, you may begin hearing from a company called ACS Inc.

ACS Inc is a collection agency that works with lenders and creditors to recover payments on defaulted loans or unpaid bills.

They use every trick in the book, including incessant phone calls and strongly worded letters.

While these are intimidating tactics, they are not the worst thing ACS Inc has to offer.

In order to legally collect on your debt, they must first open a collection entry on your credit report.

What is ACS Inc?

ACS Inc is a medium-sized debt collection company that is headquartered in Clearwater, FL.

Originally founded in 2012, they collect a number of consumer debts, including credit card, automotive, utilities, and telecommunication.

While they are a legitimate business, ACS Inc is not popular among their customers. They have had a number of complaints filed with them over the years.

Currently, ACS Inc has 40 complaints with the Consumer Financial Protection Bureau (CFPB) and nearly 200 with the Better Business Bureau (BBB).

Most of these complaints are in regard to violations of the Fair Debt Collection Practices Act (FDCPA).

If you are having issues with ACS Inc or another debt collector, you may consider filing a complaint against them as well.

Brush up on your rights under the FDCPA to find out if ACS Inc is overstepping their bounds.

How to Remove ACS Inc From Your Credit Report

If you have no clue where to start when dealing with ACS Inc, you’re not alone.

Read on to learn the best steps to take to remove the collection from your credit report and begin rebuilding your score.

  • Goodwill Deletion
  • Validate the Debt
  • Negotiate a Settlement
  • Hire a Professional

Ask for a Goodwill Deletion

If this debt constitutes a minor slip up on your account, ACS Inc may be inclined to let you off the hook.

That is, however, if you have already paid the balance and had a legitimate excuse for being late on your payments.

To qualify for a goodwill deletion, you must prove to ACS Inc that your debt is a rare blunder for you and that you had outstanding circumstances that led to it.

This usually involves writing a letter explaining what was going on in your life that led to your debt.

If you suffered a layoff or medical emergency around the time of the debt, you should mention this in your letter to ACS Inc.

You should note that they will likely ask for documentation to back up your claim, so be sure that you are telling the truth.

Dealing with a debt collector is aggravating and frustrating, but you should refrain from sounding upset in your letter.

ACS Inc would be doing you a favor by granting you a goodwill deletion, so it’s important that you keep your tone polite and apologetic.

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Validate the Debt

A goodwill deletion will not work for you if you have not already paid ACS Inc for the debt.

In this case, you should reach out to them to request that they validate your debt information per your FDCPA rights.

During the transition from the original creditor to the debt collector, a lot of information about a person’s debt can get lost in the process.

It’s possible that ACS Inc has the wrong balance, dates of account activity, or even name on the debt.

That means that it’s possible the debt they are hounding you for isn’t yours to begin with.

Even if you are sure that the debt belongs to you, you should still ask ACS Inc to validate your debt.

This is because you may still be able to find false information in their files.

Begin by writing a debt validation letter, also known as a Section 609 letter, to ACS Inc.

This is a formal request for them to investigate your debt and provide you with proof that the debt belongs to you.

ACS Inc is required to respond to you within 30 days of receiving your letter with any documents they have on your debt.

Be sure to review each page carefully and look for any mistakes on the record.

If you can prove that ACS Inc is reporting any inaccuracies about your debt, you can submit a dispute with the major credit bureaus.

They will investigate and remove ACS Inc’s account if they find there to be errors in their reporting.

Negotiate a Settlement

If ACS Inc is able to validate your debt, your next step would be to settle up with them.

However, you should not pay them outright. You should instead use your leverage to negotiate a settlement to remove your collections account.

Known as a pay-for-delete agreement, this settlement would satisfy your desire to have the damaging account removed from your record as well as ACS Inc’s need for your payment.

This type of settlement can be difficult to strike with a debt collector, but you can achieve success if you are persuasive enough.

Start by offering to pay ACS Inc anywhere from 30% to 50% of your total balance.

This will create some resistance from them, but you can work your way up and hopefully end up paying less than your full balance.

The most important objective when working out a pay-for-delete agreement is getting the debt collector to agree to completely delete the collection entry.

ACS Inc may try to talk you down to changing the status to paid, but this will still negatively impact your credit score down the line.

Make sure that, no matter how much you pay, you get them to agree to delete the account.

Once you come to a compromise with ACS Inc, have them send you a written agreement through U.S. mail.

Don’t make your first payment to them until you receive this document.

You should notice that ACS Inc’s account disappears from your credit report within about 30 days of receiving your payment.

If it does not, reach back out to them and let them know they need to remove the entry.

Work with a Professional

Working with debt collectors is notoriously difficult, and not everyone is able to successfully negotiate a deletion.

If you are running into roadblocks with ACS Inc, you may benefit from the help of a credit repair professional.

Credit repair companies specialize in removing damaging accounts from your credit report so that your score can improve over time.

They can help you challenge a variety of entries, including collections, bankruptcies, and liens.

Oftentimes, it’s entries like these that are standing in between you and a higher credit score.

Credit repair professionals can remove them without your having to intervene at all. In fact, you may never hear from ACS Inc again.

Not all credit repair companies are worth the money, so it’s important that you work with one that is reputable.

I recommend Lexington Law to those looking for a consummate professional with a proven track record.

They have over 28 years of experience removing collections accounts from credit reports, and they can help you deal with ACS Inc too.

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