How to Remove Comcast Collections From Your Credit Report

Have you gotten phone calls or letters in the mail from Comcast Collections?

If so, you most likely have an old Comcast bill you forgot to pay when you canceled the service.

Or maybe you got behind on payments and Comcast cut your service. Or maybe you never paid off that dial-up modem you rented back in 1998.

Whatever the case, a Comcast collection account can hurt your credit score unless you deal directly with this debt collector.

Even if your Comcast bill has been “charged off“ you still need to resolve this problem.

Comcast Collections is not a scam. If you’re getting these calls, you need to take action.

Unless you remove this negative entry from your credit report, your credit score could suffer for years.

Remove Comcast Collections From Your Credit Report

Third-party collections agencies — along with collections departments at lenders and utilities — have a terrible reputation.

This goes with the territory. Nobody enjoys being called repeatedly, especially during lunch or on the weekend, for any reason.

When the person on the other end of the phone is a debt collector, the situation grows even more frustrating.

And when you can’t afford to pay off the past due balance, you may feel entirely helpless.

Step 1: Don’t Panic and Don’t Pay

The first step when you start hearing from Comcast Collections — or any other collection agency — is to set aside your feelings of frustration.

They won’t help you solve this problem.

Collections agents hope you’ll get frustrated and overwhelmed and just pay off the balance so the account will go away and the phone calls will stop.

Even if you can afford to pay off the balance due, know that doing this won’t automatically delete Comcast Collections from your credit report.

This negative item could still hurt your credit score for years into the future, even if you do pay off the entire balance.

Instead of paying off the bill or getting frustrated, move on to Step 2.

Get a Free Copy of Your Credit Report

Step 2: Establish Snail Mail Communication

If Comcast collections has called you, call the agency back and tell its representative you understand your consumer rights as outlined in the Fair Debt Collections Practices Act.

Then, let the representative know you wish to communicate only in writing from this point on. Federal law gives you this right. The company will have to adhere to your request.

As you can see, the process of stopping calls to your home and/or workplace won’t be difficult.

Most consumers simply don’t know they have this right.

Collection agencies know this, so some of them keep calling until they are told not to.

After you exercise your right to communicate only by mail you’re ready to start the process of removing the collection from your credit report.

Step 3: Write a Debt Validation Letter

A debt validation letter requests that Comcast show proof the debt is indeed yours. Federal law gives United States citizens this right, too.

If Comcast can’t prove the debt is yours, they’ll need to stop all communications with you and remove its entry from your credit report.

Don’t wait to send your debt validation letter. You should send it within 30 days of your first contact with Comcast.

If you don’t send your debt validation letter within 30 days, Comcast can assume you’ve accepted responsibility for the debt.

After you send your letter, Comcast should respond with information about your debt within 30 days. Once you receive the response, you’ll need to review the information to find out if it’s correct.

Look for any type of error you can find. For example, look for an old address, an incorrect account number, or an inaccurate date of service.

Scour the information for errors and for omissions which can also be catalysts for the credit bureaus removing your negative items from Comcast.

If you find problems, write a letter to Comcast detailing the errors and/or omissions. Then, ask for the errors to be fixed.

If Comcast can’t fix the errors, you have a case for deletion. If it can correct the errors, Comcast will do so and you’ll need to move on to Step 4.

Step 4: If the Debt is Rightfully Yours, Negotiate a Payoff

If Comcast proved you owed the debt — or if you didn’t ask for debt validation in time — it’s time to negotiate the deletion of your negative items.

I recommend negotiating directly with Comcast Collections.

Offer Comcast one half of the balance due in exchange for Comcast removing its negative items from your credit report with all three credit bureaus.

You will probably need to haggle some on the phone. This is why I recommend starting by making a phone call in this case.

(You can start by calling this phone number: 1-800-XFINITY. But be prepared to be transferred or redirected a couple times to someone who can help.)

If the representative agrees to your deal over the phone, ask for a written letter that details the repayment amount and terms (removal of the entry from your credit report upon receipt of payment).

Don’t make your payment until you get the letter. After you receive it, write a check and mail it out to them. Never share your credit card or bank account number over the phone.

Check back after 30 days (by letter) to see if your entry was removed. Make sure all your Comcast account’s negative items are removed, including late payments and missed payments.

Get a Professional to Handle Comcast For You

If you don’t want to deal with Comcast Collections, or if you need your credit repaired quickly, I suggest you consider hiring Lexington Law Credit Repair.

This is a professional credit repair company staffed by paralegals and attorneys who know your rights.

They know how to negotiate with collections agencies and credit bureaus because that’s all they do.

This kind of professional help averages around $100 a month in subscription fees, but it can save you all sorts of time while repairing your credit score a lot faster.

Check out their website.

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cbcs debt collectors

How to Remove CBCS Collections From Your Credit Report

CBCS is a large collection agency based in Jacksonville, Florida.

If you’ve been getting unwanted letters or calls from this debt collector, I’m going to show you how to remove CBCS Collections from your credit report and get them to stop calling.

Since this company is quite experienced and established, with a large staff, you’ll need to use the right tactics in order to get results.

Luckily, you do have rights as a consumer, which are detailed in the Fair Debt Collections Practices Act. These rights will allow you to follow certain steps which boost your odds of success.

How to Remove CBCS Collections

cbcs debt collectorsNow, let’s talk about how to make things happen!

Here’s how to remove CBCS Collections from your credit report:

  • Stop The Calls
  • Send A Debt Validation Letter
  • Write An Advanced Dispute Letter
  • Negotiate Pay for Delete
  • Have A Professional Remove The Collection

Stop The Calls By Requesting Only Written Communications

Did you know that stopping the annoying and intrusive calls, to your home and/or workplace, is really as easy as asking?

Under the terms of the Fair Debt Collections Practices Act, you have the right to request written communications only.

So, the next time that CBCS calls you up, just let the company know that you want letters from now on, via old-fashioned snail mail.

I recommend doing this. It will remove the stress of getting these calls and it will also create a paper trail.

Phone calls may feature promises which aren’t kept. You need written records.

Ask CBCS To Prove Your Debt With A Debt Validation Letter

You also have the right to ask CBCS Collections to validate the debt that the company is contacting you about.

You may set this process in motion by drafting (and then sending) a Debt Validation Letter.

This is simply a letter that requests that they validate the debt and provide documentation that proves the debt is indeed yours.

Collection agencies often operate by buying consumer debt up dirt-cheap and then recovering more money than they paid for it.

When they buy debt, they sometimes don’t get provided with all of the facts about each debt that they purchase.

This means that it’s often tough for them to validate debts. This may work in your favor. Vital information may be missing or it may be incorrect.

If the company is unable to validate the debt with documentation, within thirty days, CBCS will need to wipe your entry off of the credit report.

The simplest way to set the stage for success is to write up a debt validation letter and mail it in. Do it within thirty days of your first call or letter from the company.

Write An Advanced Dispute Letter

If CBCS is able to validate the debt, and provides you with documentation, your next step is to write an advanced dispute letter.

This letter will need to be sent to the 3 major credit bureaus:

  1. Experian
  2. TransUnion
  3. Equifax

Your Advanced Dispute Letter can’t be written until you obtain a current copy of your credit record.

Once you have this document, you’ll need to look for the entry from CBCS and then find errors with that entry or find missing information.

Look at every single detail. Are there mistakes or omissions with regard to the dates, high balance, the amount owed, balance, address or name?

If you come up with some inaccuracies, and it’s certainly not uncommon to find them, you’ll be able to write the letter.

Outline what’s wrong and request that errors be rectified or that the credit entry be deleted. The credit bureaus will have thirty days to investigate your dispute.

This third step often does the trick. If you find a mistake, there’s every chance that the negative credit entry will be removed.

Negotiate A “Pay for Delete” Agreement With CBCS

If the company does prove the debt and there are no errors on your credit report, you’re not out of options.

Your last choice is to pay all of what you owe, or some of it, in return for having the CBCS credit entry removed.

Before you pay all of it, definitely get in touch with CBCS and try to pay less!

Since these firms tend to pay a lot less for debt than the actual debt amount that they want to collect, they are often willing to do a deal.

If they get some of the money, they typically still turn a profit.

Try offering the company half of what you owe. It’s a good starting point for negotiation.

Also, make sure that the company agrees to remove the entry from the credit report in exchange for the payment.

Some people negotiate by phone, as it’s easier to do the back-and-forth which is characteristic of a negotiation process via telephone. It’s ok to talk on the phone about this.

Just be sure to request a letter detailing the new payment arrangement, along with the stipulation that the credit entry will be removed once the payment is received.

Don’t pay until you get a letter!

Have A Professional Remove The Collection

Lastly, if you rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law.

They’ll take care of you, and honestly, they usually get stuff removed a lot quicker. Check out their website.

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ARS National Services: How To Get ARS Off Your Credit Report

ARS National Services Inc is one of the largest debt collection agencies in the US, and operates in all 50 states specializing in collecting medical debts.

If you’ve been receiving collection letters or phone calls from ARS National and you want to get this debt collector to not only stop harassing you, but also get the collection entry off of your credit report, you’ve come to the right place.

As a general disclaimer, the information in this article is not meant to serve as legal advice. Please seek out a law firm should your case warrant it.

Who Is ARS National Services

Associated Recovery Systems National is a third-party debt collection agency in the United States that collects financial services organizations delinquent accounts, typically medical debts, and credit card companies.

They are a legitimate organization and not a scam. Here is a little bit of their contact information:

  • Address: 201 W Grand Ave, Escondido, CA 92025
  • Phone Number: (888) 888-7080
  • Website:arsnational.com
  • ​Other Offices: Houston, Texas, Jacksonville, Florida, Ontario, California
  • Ratings: The Better Business Bureau (BBB.org) rates ARS National with an A+. Customers have given in 1.5 out of 5 stars, based on nine reviews. They’ve had 21 complaints lodged against them and 217 complaints filed with the Consumer Financial Protection Bureau (CFPB) both companies finding ARS National violated Federal Laws like the Fair Debt Collection Practices Act (FDCPA), which guarantees consumers certain rights and protections from debt collection agencies.

Steps To Remove ARS National Services From Your Credit Report

You don’t have to put up with harassing phone calls at work and threatening collection account letters.

Here’s a step-by-step guide for taking control of your relationship with ARS National Services.

1. Communicate in Writing

Get the ball rolling by letting this determined and persistent company know that you want written communication in the future.

When there is a paper trail, you will be safer. Phone calls aren’t the smartest way to deal with a collection agency.

During phone calls, collection agents may make promises they don’t keep.

When everything is written down, you’ll have a backup which protects you from problems.

If they call you, let the representative from ARS National know that you understand your rights as laid out in the Fair Debt Collections Practices Act (FDCPA) and then communicate only in writing from that point on.

The next step is demanding proof that the debt in question is rightfully yours!

2. Put Together A Debt Validation Letter

During Step Two, it will be time to craft a letter which is a written demand that the company validates your debt. It’s known as a debt validation letter.

It’s a straightforward request that the company provides you with proof that you owe the money. Sometimes, collection agencies can’t prove this and this may be true in your case.

Companies like this make money by purchasing consumer debt for rock-bottom rates and then collecting more money than they paid for those debts.

Quite often, when collection agencies purchase debt, they don’t get all of the paperwork.

This means that ARS National Services may not have enough information to prove that a debt belongs to you, even if it really does!

After the company receives your debt validation letter, they will have thirty days to validate your debt.

If it can’t, its collection activities with regard to you will need to cease! As well, the company will be legally required to notify the credit reporting agencies and wipe the credit entry off of your credit report.

So, mail out the letter (registered mail is recommended, but not mandatory) and then see what the company sends back.

Go over the information which is provided carefully, look for omissions and inaccuracies.

3. Write an Advanced Dispute Letter

If the company does prove the debt, you should write an Advanced Dispute Letter. This is a letter that is sent to the credit bureaus.

Your letter should dispute inaccurate data from ARS National. This letter is different from the debt validation letter.

To write the Advanced Dispute Letter, you’ll need to access an up-to-date copy of your credit report and then check out the entry from ARS.

Look for problems. Examples include mistakes with dates, the amount owed, your name, the address, the balance, etc.

Next, list the mistakes on the entry in your letter, which will be sent to the big three credit bureaus.

Explain in the letter why the ARS National collections entry is incorrect. Demand that the entry be deleted or fixed so that it’s correct.

The credit bureaus have thirty days to perform investigations.

The three credit bureaus that you will need to write to are TransUnion, Equifax, and Experian.

This method often works because it’s so specific in terms of outlining what’s wrong with a credit entry.

It’s probable that ARS National won’t be able to provide the information that the credit bureaus need.

If this is the case, the credit entry from ARS will be wiped off your credit report, which usually means a better credit score.

Get a Free Copy of Your Credit Report

4. Pay the Debt to Get It Removed

In a worst-case scenario, where ARS is able to prove the debt to everyone’s satisfaction, you will still have recourse.

I recommend opening up a negotiation with ARS and offering to pay forty to fifty percent of the debt amount, as long as the company is willing to remove the collection entry from your credit report upon receipt of payment (say, within 30 days of receiving your check).

The outcomes of negotiations with collections agencies vary. Try to get the best deal possible.

Get it all in writing. Verbal agreements are not secure agreements.

Do You Need Help With This?

If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair.

They’ll take care of you, and honestly, they usually get stuff removed a lot quicker.

Check out Lex Law

Why Do You Owe ARS Money?

Many people with medical debt have never heard of ARS National until the agency starts trying to collect on their debt.

If you visited a hospital or clinic and didn’t pay the bill in full — either because of an insurance mix-up or because you couldn’t afford it — the medical provider will eventually stop sending bills.

Rather than continuing to try to collect your debt, the hospital or clinic can sell your debt to ARS at a low rate. The healthcare provider can get at least some of the money you owe this way.

At that point, you owe money to ARS. Even if you pay only a portion of the debt, you’re helping ARS make money.

How to Avoid Dealing with ARS

Just like with medical care, prevention is the best medicine. Paying on your medical bills, even if you can’t pay off the entire balance, can keep your medical provider from selling your debt.

Many hospitals now have financial counseling, financial relief for hardship cases, and payment plans available.

By continuing to work with your medical facility’s billing department, you can avoid dealing with ARS National or another collections agency.

After the hospital has sold the debt to ARS, they may not be able to make accommodations for payment.

What ARS National Services Can’t Do

By their nature, debt collection agencies like ARS seem intimidating such as using obscene language or notify your co-workers of your debt.

These companies have purchased your debt from your medical provider. Any money you pay on the debt reimburses ARS the money it paid for your debt.

So the company has a motivation for staying persistent and maintaining an intimidating presence.

It’s up to you to know and remember your rights and to know the laws ARS must follow. Collection agencies are not required to inform you of your rights or their limits.

Limits to ARS National Services Legal Actions

Because of federal consumer protection laws, ARS has legal limits to the action it can take:

  • ARS cannot threaten you with violence.
  • ARS cannot use profane language or defame your character.
  • ARS cannot shame you by publishing your name.
  • ARS cannot prosecute you under criminal law.
  • ARS cannot discuss your debt with others.
  • ARS cannot charge you interest or fees in addition to what you owe.
  • ARS cannot charge your credit card without your consent or change the amount or date of a check you submitted.

What ARS National Services Can Legally Do

ARS National does have the right to try to collect the debt you owe through:

  • Phone Calls: ARS can call you on the phone number you provided the hospital or clinic. If you provided a work or cell number, ARS can use the number. You can ask ARS to stop using a specific number, and the agency must comply.
  • Letters: ARS can send you letters requesting repayment. They cannot send postcards, only sealed letters.
  • Lawsuits: ARS National can sue you, asking for a court to garnish your income from work to cover the debt. ARS cannot garnish Social Security income, veterans’ benefits, military survivors benefits, or federal disaster assistance grants.

If you have older debt, be sure you know about your state’s statutes of limitations on debt which can protect you from lawsuits in many cases.

How To Remove AFNI Collections From Your Credit Report

AFNI Inc. is a collection agency with a global reach working from U.S. branches in Kentucky, Illinois, Arizona, and Alabama.

If you’re getting phone calls or letters from AFNI, Inc., you should know you’re dealing with a well-organized agency.

AFNI has a large infrastructure and plenty of collection officers on its payroll.

This means the calls and letters from this debt collector will likely continue unless you take action.

About AFNI Collections

AFNI Collections is an old and successful collection agency that got its start in Bloomington, Ill., back in 1936.

This company works with some of the biggest corporations in the world, including Verizon, AT&T, and DirectTV along with other leading cable TV and healthcare providers.

Why Do I Owe AFNI Collections Money?

If you start getting bills from AFNI — which also uses the name Anderson Financial Network — it’s likely you owed money to one of AFNI’s clients.

If that client — let’s use Verizon as an example — sells your debt to AFNI, this agency will then start trying to collect your debt.

As I said above, you may not actually owe the money. Occasionally, AFNI gets bad information from one of its clients which implicates you incorrectly.

That’s why you should first validate the debt first.

How Can AFNI Collect the Debt?

Unless you can invalidate the debt AFNI is trying to collect, the agency has several ways to collect money from you:

  • Phone Calls: AFNI has the right to call you on the phone number associated with the original creditor. You have the right to request AFNI use a different phone number, and the company must honor your request. And, of course, you have the right not to answer the calls.
  • Letters: AFNI can send letters requesting payment. They cannot send unsealed postcards because of privacy concerns.
  • Legal Action: AFNI could sue you in civil court seeking a garnishment of your wages as repayment for the debt. You should always respond to a lawsuit to defend yourself. Contact a law firm if this happens. In some cases, the statute of limitations on your debt will have passed, meaning the lawsuit could be dismissed immediately.

How AFNI Cannot Collect the Debt

While AFNI can sue you, call you, and send letters, the federal Fair Credit Reporting Act prevents the company from taking action such as:

  • Threatening Criminal Action: The company can’t have you arrested and prosecuted under criminal law as a way to persuade you to pay.
  • Threatening Physical Violence: The company can’t threaten to harm you or your family and friends either.
  • Harassing Contact: The company can’t call you in the middle of the night or early in the morning. The company must honor your request not to be called at work.
  • Shaming: The company can’t discuss your debt with your employer or anyone else or threaten to publish your name on a list of debtors.
  • Demand Others’ Debts: The company can’t demand you pay someone else’s debts, including a deceased relative’s debts.
  • Bypass Your Attorney: If you’ve hired a lawyer and informed AFNI, the company must call your lawyer and not you about the debt.
  • Lie or Misrepresent: The company can’t lie about the status of your debt or the effects of your payment. Getting your agreements in writing is a must. That way you can prove misrepresentation if necessary.
  • Threaten to Increase What You Owe: A credit agency can’t add interest or fees on your balance if you don’t pay.

Your state may have additional protections for consumers.

If all of this seems like too much for you to handle on your own,
we suggest that you seek help from a credit repair professional.

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Removing AFNI Collections From Your Credit Report

A lot of collection agencies hope you don’t know your rights. They won’t break the law intentionally, but they know consumers who don’t know their rights respond to fear.

They know a consumer who’s afraid will be more likely to read off a credit card number to make a payment and close the collections account right there on the spot.

So you need to know there are rules regulating how a debt collection agency may interact with you. The rules are found in the Fair Debt Collection Practices Act (FDCPA).

Collection agencies have to follow this long list of rules, but it basically boils down to this:

Debt collectors are not allowed to harass you. It’s against the law.

Now that you know your rights, you have to let AFNI Collections reps know you understand these important rights as you interact with this company.

Here’s how:

  • Communicate in Writing
  • Debt Validation
  • Pay for Delete

1. Ask for Written Communication Only

First things first: Write AFNI, Inc. a letter stating you know your rights under the FDCPA and that you wish to receive only written communications about this debt in the future.

If AFNI calls you, tell the agent you’ve requested written communication only and that the company should not be calling you.

Beyond avoiding phone calls, asking for written communication has an important purpose: to create a paper trail so you can later prove your agreements to ANFI agents.

On the phone, an agent may make promises other agents don’t know about and won’t keep. When you have a paper trail you can remind the agency of its agreements with you.

Asking for written communication only is always in your best interest.

2. Ask for Validation of Your Debt

The Fair Debt Collection Practices Act requires debt collectors to prove the debt is actually yours — if you request that they do so within 30 days of hearing from the agency for the first time.

You could combine your request for debt validation with your request to have only written communication with ANFI. (Mailing address is below.)

In response to your request for debt validation, ANFI must provide proof that your debt is accurate and properly assigned to you.

If it can’t provide this proof, ANFI must remove the negative item from your credit report.

When Is Debt Not Valid?

Collection agencies like AFNI make money by buying consumer debt at a low price — sometimes they pay pennies on the dollar for debt. They always pay less than the actual debt amount.

Then, they make a profit by collecting more on the debt than they paid to buy the debt. Since they buy debt wholesale, collection companies don’t always have complete and accurate information about your debt.

This means AFNI Collections may not have all the details about your debt; the company may not be able to prove it’s your debt.

So, send your Debt Validation Letter and then wait for a return letter.

When you receive the response, go over the information that has been provided to you. Are any details wrong? Is any important information missing? If so you can dispute the debt.

For this to work, you have to send this letter within 30 days of initial contact with AFNI Collections.

This is a firm deadline, so take action immediately. If you don’t seek validation within 30 days, you’re essentially conceding the debt is yours.

3. Agree to Pay Part of What You Owe

If the debt was validated, or if you didn’t ask for validation within 30 days, you’ll need to pay something in order to get the negative credit entry removed by the credit bureaus. So now it’s time to call the collection agency and try to negotiate.

As I said above, AFNI Inc. probably bought your debt for a small percentage of the total debt you owed the original creditor. You can use this fact to your advantage.

Even if you paid only half the amount due, AFNI would make a nice profit from your account.

So why not offer to pay 30 percent or maybe 40 percent of the amount due? There’s a good chance this debt collector would be receptive to your request.

It may counteroffer by asking you to pay 65 percent of the amount due. At that point maybe you could settle on paying half the total amount due.

Make Your Payment with Strings Attached

Even after you’ve agreed upon the amount you’ll pay AFNI Inc., don’t make your payment unless AFNI agrees to remove any negative items it has posted to your credit report.

At first, the agent may balk at this request, but your payment is your leverage in this negotiation. Don’t let go of it until AFNI agrees to this stipulation.

Remember, they can’t prosecute you or even call you if you’ve asked them to stop. You have rights, and ultimately AFNI just wants to make money. There’s a good chance the agent will agree to your terms.

Get This Entire Agreement in Writing

After AFNI’s agent has agreed to your terms, he or she may ask for your credit card number to process payment. Again, don’t pay anything yet.

Wait until you have, in writing, a letter confirming AFNI will consider the debt paid in full and remove negative items from your credit report in exchange for your payment.

Once you have this agreement in writing, you can then pay the agreed-upon amount.

I’d recommend paying via check because a cashed check provides legal proof you’ve paid the debt. Never grant AFNI access to your bank account numbers for an ACH transfer.

Payment Could Re-set Statute of Limitations

Getting your agreement in writing — and having AFNI Collections agree to remove negative items from your credit report — matters so much because by paying on the debt, you’re re-setting the debt’s statute of limitations.

Each state sets a statute of limitations on consumer debt. Once the statute expires, you can no longer be sued in civil court for lack of payment.

By paying on the debt, you’re re-setting the clock on your debt’s statute to Day 1, exposing yourself to a broader window for legal action against you.

Using your payment to prompt AFNI to close your account and remove negative items from your credit history is essential.

After 30 days pass, get a fresh copy of your credit report and make sure the entry has been removed. If it hasn’t, contact them again and remind them of the deal you made.

Get a Free Copy of Your Credit Report

Do You Need Help With This?

Lastly, if you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair, a credit repair company.

Credit repair companies won’t do anything you couldn’t do yourself, but they work quickly and efficiently.

They normally charge by the month with an initial sign-up fee.

They’ll take care of you, and honestly, they usually get stuff removed a lot quicker. Check out their website.

FAQs about AFNI Inc.

What is AFNI Collection?

AFNI Collections has been in business since 1936. Often, AFNI buys old debt from cable TV companies and telecommunications firms like AT&T and Verizon as well as from medical providers.

Is AFNI a legitimate company?

AFNI is legit. It’s not a scam. If you’re hearing from this company, it believes you owe money, and the agency won’t stop contacting you — and lowering your credit score — unless you deal directly with the problem.

This collection agency employs about 6,000 people; it has the resources to keep track of your case.

Where can I file a complaint about AFNI Inc.?

The Better Business Bureau rates AFNI A+ but this BBB rating is based on the company’s responsiveness to complaints — not to customer satisfaction.

You can always file complaints with the BBB, but if you believe AFNI has violated the law you should report your experience to the Consumer Financial Protection Bureau (CFPB) which regulates debt collections.

What is AFNI Collections’ phone number?

(866) 352-0479

What is AFNI’s contact information?

You should send debt validation or dispute letters to AFNI Collections at:

P.O. Box 3097, Bloomington, IL 61702

(The company’s headquarters is located on Martin Luther King Drive in downtown Bloomington, IL 61701.)

You can visit the agency’s site at www.afni.com and even manage your account there, but I always suggest dealing with agents over the phone and getting your agreements in writing.

Does AFNI report to all three credit bureaus?

Yes, negative items from AFNI can appear on your credit report at Experian, Equifax, and TransUnion, pulling down your credit score with all three agencies. These negative items will also affect your FICO score.

Why does the same debt appear twice on a credit report?

Debt collection agencies buy debt from your original creditor. But if the original creditor reported your account as a charge-off, this negative item will remain on your credit report even after the creditor sells the debt.

As a result, you could get hit twice by the same bad debt. To fix this, you may need to send dispute letters to the credit bureaus informing them the debt has been resolved.

How to Remove with Medicredit From Your Credit Report

Has Medicredit shown up on your credit report?

Find out how to remove Medicredit from your credit report and deal with this collection agency in the article below.

Is Medicredit A Collection Agency?

Medicredit Corporation is a collection agency owned by The Outsource Group.

Like most collection agencies, Medicredit buys debts from your original creditors and then collects on the debt to turn a profit. As its name implies, Medicredit buys old medical debt from hospitals and clinics.

Unquestionably, collection agencies can get inaccurate information. Maybe you’ve paid this debt already, or maybe the debt was someone else’s, to begin with.

It’s also possible that you legitimately owe the money Medicredit wants to collect from you.

Whatever the case, we’ll show you how to get this debt collector off your case with as little hassle and expense as possible.

How To Remove Medicredit From Your Credit Report

Debt collection confuses and intimidates a lot of people. The phone calls, letters, and emails can make you feel harassed, even when the debt collection agency follows the Fair Debt Collection Practices Act.

The most important step will be to stay calm and take control of the process.

1. Communicate via Writing Only

First, as soon as Medicredit calls, or the agency appears on your credit report, write a letter requesting all future communication be sent via mail.

Too many people get into trouble by dealing with collection agencies over the phone. Collection agencies say one thing over the phone but often don’t honor what they said later.

So get everything in writing with Medicredit or any other collection agency.

When you have all your correspondence in writing, you’ll have a paper trail if the agents forget an agreement.

2. Write a Debt Validation Letter

Second, it’s time to write a letter — a debt validation letter to be specific. A debt validation letter requests Medicredit verify the debt, which they’ve reported to the credit bureaus, is actually yours.

The FDCPA gives this right to you as a United States citizen. Medicredit will have 30 days to respond with documentation showing the debt is yours.

Check out our sample debt validation letter template to get started.

You have only 30 days from the time Medicredit first contacts you to mail your debt validation letter. If the 30 days have passed, your debt validation letter might go unanswered because Medicredit, Inc., isn’t required by law to provide documentation after that period of time.

Debt validation letters are effective if a collection account has appeared on your credit report by mistake. The account will be removed from your credit report if Medicredit can’t prove the debt is yours.

If this is the case, get a copy of your credit report after 30 days to make sure the negative items have been removed.

But if the debt really is yours, and Medicredit validates it as such, you’ll have to move on to the next step.

3. Negotiate a Payoff

Ultimately, if the debt is yours and you want to remove the account from your credit report, your next step should be to negotiate a payoff.

You aren’t totally without power in this negotiation.

Remember, Medicredit bought your debt for pennies, or perhaps nickels, on the dollar. So any amount you pay in addition to Medicredit’s purchase price becomes money in their pocket. Offer to pay a third or a half of the actual debt, and Medicredit will consider your offer.

Before you make any payments, ask Medicredit to agree to remove its negative items with all three credit reporting bureaus. Make your payment contingent upon Medicredit agreeing to this stipulation.

And, as we said above, do all of this negotiating in writing. If Medicredit agrees to these terms in writing, send a check for the agreed-upon amount.

Finally, check back in 30 days to ensure the derogatory entry has indeed been removed from your credit report.

If, after 30 days, the negative entry is still on your credit report, write them another letter that demands they remove the collection from your credit report.

Produce your letter that contains the agreement, and make sure you reference the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Don’t Want to Deal With Medicredit Yourself?

Credit repair companies can do everything we discussed above for you, so you don’t have to deal with all the details — in exchange, of course, for a monthly fee.

Hiring a pro can save you time and hassle.

On average, consumers who hire a professional credit repair company spend about $500 over three or four months to fix their credit.

These services don’t do anything you couldn’t do yourself. But they save you time, and they usually get results more quickly.

They can help you remove negative items on your credit reports.

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Contact Information for Medicredit, Inc.

Here is the up-to-date contact information for Medicredit Corporation:

  • Mailing Address: 111 Corporate Office Drive, Suite 200, Earth City, Missouri 63045-1506
  • Website: www.medicreditcorp.com
  • Phone number: 800-888-2238

Medicredit FAQs

We get a variety of questions about debt collection agencies. Here are some of the most frequently asked:

Can Medicredit Sue Me?

Yes, Medicredit could sue you in district court, asking a judge to force you to pay the debt. Unless your debt is substantial enough to justify the legal expenses, Medicredit probably will not sue you.

If the statute of limitations has expired on the debt, you could get the case dismissed easily. Statutes vary from state to state, with some as short as three years.

However, the debt would continue to harm your credit score even after the statute expired.

How Long Will Medicredit Stay on My Credit Report?

Medicredit could stay on your credit report for up to seven years.

Unpaid medical bills, especially when they’ve gone into collections, can harm your credit score and make getting loans and credit cards more complicated.

The higher your score, the more you have to lose by letting a Medicredit collections account linger in your credit history.

Is Medicredit a Scam?

No, this is a legitimate debt collection agency with its headquarters along the Missouri River northwest of St. Louis.

If you hear from Medicredit, chances are you have old medical bills, and your original debtor has sold your debt to this agency.

Of course, Medicredit may also have bad information, which makes validating the debt an important step.

Is Medicredit Graded by the BBB?

Medicredit has an A+ grade from the Better Business Bureau. The BBB gives the agency good marks for responding to customer complaints even when its responses are disputing customers’ claims.

How Can I Complain About Medicredit?

You can search for the company on the BBB’s Website, or you can complain to the Consumer Financial Protection Bureau, which is part of the Federal Trade Commission.

If you believe your consumer rights are being violated, contact the CFPB along with the Better Business Bureau.

How to Remove Alltran Financial From Your Credit Report

If you’re getting hassled by Alltran Financial LP (formerly United Recovery Systems), we can help you get this collection agency off of your back!

Collection agencies like Alltran, which is based in Houston, Texas, must follow federal rules outlined in the Fair Debt Collections Practices Act. This act outlines your rights when you work with collection agencies.

When you know your consumer rights — and when you know how to remove Alltran Financial LP from your credit report — you’ll be able to stop the company from harassing you. The calls and letters won’t stop overnight, but you should see results within a month or so.

Steps to Remove Alltran Financial From Your Credit Report

Here are the strategies I’ve used in the past to remove collections from my credit report which, of course, can improve your credit score.

  • Communicate in Writing
  • Debt Verification
  • Dispute
  • Negotiate
  • Turn to a Professional

Send a Request for Written Communication

Start by letting Alltran know you’re aware of your consumer rights as a United States citizen. This is the first step when you want Alltran removed from your credit report.

In your request cite the Fair Debt Collection Practices Act (FDCPA) by name, and request that Alltran contact you only via mail from this day forward. Confirm your address, phone number, and other contact information, but demand written communication only.

Why? Because some people run into trouble with collection companies when they talk to service representatives over the phone. Phone calls don’t leave a paper trail, which means any agreements you make over the phone could be forgotten.

Talking on the phone about your collection account is not in your best interest. You’re better off with old fashioned snail mail. This first step (stopping all phone communication) is important.

Plus, it can put an end to those harassing cell phone calls!

In case it’s helpful, Alltran’s address is 5800 N Course Dr, Houston, TX 77072.

Debt Verification

Once you have made it clear you’re going to communicate only via mail, your next step should be to write a letter asking Alltran to prove the debt in question is actually yours.

The thing is, debt collectors often purchase old debts from your original creditors, such as credit card companies and student loan servicers, for less than the owed amount. Then collections agents try to collect on the debt in order to turn a profit.

The problem with this practice is that they don’t always get accurate information from the original creditor. In fact, the debt may be someone else’s, or you may have already paid off your original creditor.

It’s up to Alltran to validate your debt. This letter should be pretty simple. Simply request that Alltran Financial LP provide accurate documentation showing the debt is in fact yours.

To ensure that there is a record that you’ve sent this letter, send this debt validation letter via registered mail.

Once you send the letter, the company will have 30 days to provide you with the proof that you have requested.

Disputing Their “Proof”

If Alltran responds with written proof that the debt is indeed yours, your next step is to make sure the documentation they mailed matches your records as well as what’s listed on your credit report.

If the information on your credit report doesn’t match what Alltran provided, you should file a dispute with the credit bureaus.

If the company proved the debt and it’s accurate information, you’ll need to start bargaining with Alltran. This means offering to pay less than you owe.

Negotiate With Alltran Financial

The bargaining process begins with deciding how much you’d like to pay. Obviously, you don’t want to pay anything, but you’ll have to pay something if the company proved the debt. Otherwise, the debt collection agency will be within its rights to continue contacting you.

Most people who negotiate with collection companies offer between 30 to 60 percent of the debt they owe, with the stipulation that the collection agency removes the credit bureau entries once those amounts are paid.

Fifty percent is the safest amount to offer during the start of negotiations.

A company that buys old debt (this is what most debt collection agencies do) will usually take this type of offer because any payment you make translates into profit for the agency.

This means that you can pay the collection agency a lot less than you owe and the collection agency will still make money.

So, draft a letter, make your offer and include the stipulation that the credit entry must be removed upon receipt of payment. Then, see if the company agrees.

If it does, write up a check and send it to the company. Add a letter explaining that you’re following the terms of the agreement. Remind the company that you want the debt removed from your credit report.

As the last step, write a final letter, 30 days after you sent the check, asking for confirmation that the negative credit entry was removed.

Have a Professional Deal with It

If you’re the type of person who would rather have a professional handle your financial issues and just be done with the whole thing, I suggest you check out Lexington Law.

They’ll take care of you, and honestly, they usually get stuff removed a lot quicker because they do this every day.

Lex Law has a good Better Business Bureau score and decades of experience in financial services.

Ask Lex Law for Help

Dealing with Alltran Financial LP

A lot of people just want to know who’s contacting them. So if Alltran Financial, formerly United Recovery Systems, is contacting you, here’s some background information on this debt collection agency.

Alltran is based in Houston but you may be hearing from someone in one of its two satellite offices: Tulsa, Okla., or Bryan, Texas. You also may hear from a subsidiary — Alltran Education or Alltran Health.

The company’s website, alltran.com, offers helpful contact information but, once again, we recommend communicating only by U.S. mail. If you don’t mind the extra step, consider using registered mail so you’ll know when your correspondence arrives.

Alltran is not a scam. If this debt collection agency starts contacting you, it believes you owe money and it will be in touch with the credit reporting agencies. This, of course, could be detrimental to your credit score.

As we said above, Alltran buys old debt when your original creditor posted a charge off. These charge offs can result from foreclosures, higher education debt, bankruptcies, repossessions, and tax liens.

This company is not rated or accredited by the Better Business Bureau (BBB) and it has a variety of complaints filed against it.

Remove Cavalry Portfolio Services From Your Credit Report

Cavalry Portfolio Services, LLC is one of the largest debt collection agencies in the United States.

They usually work for companies such as Bank of America or Chase credit card companies/banks, but will also work for cell phone companies, doctor’s offices, and other credit card debt companies.

Who Is Cavalry Portfolio Services?

Cavalry Portfolio Services is a debt buyer, meaning they buy your debt from the company, at a discounted rate. If this debt collector has been contacting and harassing you, you have options.

There are effective ways to get Cavalry from repeatedly sending collection letters or nagging phone calls, as well as remove any negative Cavalry Services entries from your credit report.

Nothing on this website constitutes legal advice. Please consult a law firm concerning any debt collection lawsuits you intend to file or dispute those filed against you.

Steps to Remove Cavalry Portfolio Services From Your Credit Report

By using these techniques, you can get Cavalry Portfolio Services, also known as “Cavalry SPV I, LLC”, removed from your credit report, wiping away and all evidence it was never there in the first place.

Now, let’s get into the steps you should take to find debt relief:

Draft a Debt Validation Letter

The Fair Debt Collection Practices Act or the FDCPA provides protection against creditor violations. Essentially, this act opens the door for you to force the debt collection company to provide proof of your debt.

To get the ball rolling, you will need to let Cavalry Portfolio Services know you want to communicate with the company exclusively via snail mail. Snail mail is safer for you, because it establishes a paper trail. Specifically, certified mail, that requires a signature or proof of delivery.

Never communicate with this company by phone or email.

There are other requests that you should also include in your first letter to the debt collection company. One is a request demanding the company provide you with proof the debt it’s trying to collect is rightfully yours.

Get this letter into the mail within 30 days of your initial communication with Cavalry Portfolio Services, if you possibly can.

Here’s their contact information:

  • Mailing address: 500 Summit Lake Drive, Suite 400 Valhalla, New York, 10595
  • Phone Number: (866) 483-5139

As well, when you’re creating this important letter, bear in mind that Calvary Portfolio Services must let you know the amount of money that you owe, to whom you owe it and that you have thirty days to dispute the debt in question.

Check the Collection Agency’s Facts

When you receive a response (a snail mail letter from Cavalry), look it over carefully and make sure the documentation they provided is accurate.

It’s not uncommon for companies like Cavalry Portfolio Services to buy consumer debt from original creditors for pennies on the dollar. Therefore, collection agencies don’t get all of the facts about the debts that they buy. For this reason, there is always a good chance that a collection agency won’t have sufficient proof of your debt.

This is why I strongly recommend requesting proof and really looking over everything they provide in order to ensure that it’s accurate. Also, be sure to make sure the statute of limitations has not run out on your debt, taking you off the hook from having to repay any debt.

To be specific, Cavalry has had around 298 filed complaints with the Better Business Bureau and nearly 1950 complaints with the Consumer Financial Protection Bureau (or CFPB).

Many complaints are about inaccurate reporting and/or lack of response to debt verification requests.

Pay The Debt For Delete

If the company does prove your debt, you’ll need to figure out some kind of repayment deal. This means negotiating with Cavalry Portfolio Services, which must be done by snail mail also.

You may want to send a letter asking if the company will accept fifty percent of the total amount owed. Let the company know that it must remove the credit entry after receiving this pre-determined amount.

Send the letter and then see what kind of response you get. Some people ask to pay back even less. However, this can be risky. It may also necessitate more long-winded back and forth between you and the company.

If the company agrees, wrap up the process by sending another letter which includes a check. Don’t give the company access your bank account.

The letter should outline that you’re paying the amount which was agreed to via correspondence by mail and it should also include a request that the negative credit entry be removed from your credit report, as per the agreement that was reached between you and Cavalry Portfolio Services.

In 30 days, check back and see if the company took care of things. If they didn’t, send a written demand that the credit entry be removed.

Do You Need Help From a Credit Expert?

We get the question, “Will Cavalry Portfolio Services bring a lawsuit against me or garnish my wages?” Honestly, it is possible.

I suggest you check out Lexington Law. They’ll take care of you, and honestly, they usually get stuff removed a lot quicker. Check out their website.

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Negative Credit Entries Like Cavalry Portfolio Services Damages Your Credit Score

When an unpaid debt becomes a collection account, it’s usually reported to the three credit bureaus or credit reporting agencies, TransUnion, Equifax, and Experian.

A collection entry on your credit report can lower your credit score significantly, even as much as 50 points. In addition, a negative entry will remain on your credit report for 7 years unless you get it removed.

ic system logo

How to Remove IC System From Your Credit Report

If you’re getting annoying calls or letters from the IC System collection agency, and these calls or letters are negatively impacting your peace of mind, you should know that there are sensible ways to get this company out of the picture.

Keep reading this article to discover the most streamlined and effective way to remove IC system from your credit report.

The tips that I’m going to share today are quite easy to implement and they are definitely your best defense against harassment from IC System. If you want to stop the letters and calls, I recommend immediate action.

Table of Contents:

  • Is IC System Legitimate?
  • Know Your Rights
  • Have a Written Agreement
  • Can IC System Prove Your Debt?
  • Offer a Deal
  • Need Help? Seek a Professionals Help

Is IC System a Legitimate Company?

ic system logoThis collection agency has been around since 1938, when it was founded by Jack and Ruth Erickson. They’re a big player in the debt collections industry, so you’re likely dealing with some experienced collectors.

IC System generally purchases debts from third party companies for pennies on the dollar and then attempts to collect on them in order to turn a profit.

This is very common with collection agencies and many times it means they have the wrong information and the debt might not even be yours.

Tell Them You Know Your Rights

You do have rights as a consumer and all of the tips that we’re going to share today are legal and safe to follow. Unfortunately, a lot of people don’t know their rights, so they aren’t quite sure how to deal with collection agencies, including IC System.

Your rights are outlined in the Fair Debt Collection Practices Act. These laws dedicate how collection agencies must operate when it comes to collecting on a debt.

The first thing you should do is let IC System know that you understand your rights under this law. Saying this will many times stop them in their tracks and cause them to behave professionally rather than harassing you.

If you are feeling overwhelmed by the multiple calls per day from creditors, we recommend seeking professional help from Lexington Law.

Ask Lex Law for Help

Get Everything In Writing

To begin the process of getting IC System removed from your credit report, you’ll need to write a letter.

This letter will be a formal request that the collection agency contact you only via regular post i.e. snail mail. You do have the right to make this request and the request is all about establishing a paper trail between you and the company. It’s much better to correspond with IC System by mail, rather than phone.

When people talk to collection agency reps over the phone, the reps may make promises and then renege on those promises later on. With a paper trail, IC System reps won’t be able to promise what they don’t plan to deliver! Send these letters via registered mail. When you do, there will be a record that your letter was mailed out and received.

Under the guidelines of the Fair Debt Collection Practices Act, IC System must conduct itself in an ethical way when attempting to collect on a debt. A collection agency is not permitted to harass anyone. When you send this letter, you’ll reinforce the boundaries. It’s your right to do so!

See If IC System Can Prove the Debt

In your letter, you should make another request. This is that the company provides you with proof that the debt in question is rightfully yours.

The letter that you send is a debt validation letter. Send it out as soon as you can. If IC System is unable to validate your debt, the company will be mandated by law to cease attempts to collect from you. Also, IC System will need to remove the entry from your credit report.

If the company responds to your debt validation letter, take a look at the documents (i.e., the “proof” they provided that the debt is actually yours) that IC System has included in the letter.

It’s quite possible that the data provided is not sufficient to prove the debt. Like I mentioned before, most collection agencies purchase debt from companies for much less than it’s worth. The collection agencies then turn a profit by collecting more money than they paid for debts.

In many cases, collection agencies don’t get a lot of information about these debts when they purchase them. So, look at what’s been provided. Are there important facts missing? Is any of the information inaccurate?

If you find problems, you’ll need to open a dispute to the credit bureaus. These are Experian, Equifax and TransUnion. After you open disputes with the “big three” credit agencies, they’ll have thirty days to perform an investigation.

Offer IC System a Deal

If a debt is rightfully yours and IC System has data that proves this, it will be time to move forward and negotiate repayment terms with IC System. It’s quite possible to negotiate a deal whereby you pay less than you owe!

Since the company probably spent a lot less than the total debt amount when it bought your debt, reps from IC System may be willing to take less than you owe. The firm will still make money if it does accept a lower amount.

Try offering forty to fifty percent of the debt amount as a good starting point for this type of negotiation. Again, you should be very careful about negotiating. It should be done by snail mail always. Never do it on the phone or by email.

When you’re doing the deal, stipulate that the negative credit entry must be removed upon receipt of your payment.  Then wait to get a letter from the company which agrees to the terms that you’ve set out.

If the company agrees to your terms, pay off what you owe. Enclose a check, along with a letter that formally requests that the debt be removed from your credit report, as per the terms of the repayment agreement. Don’t grant access to your bank account to the company.

Check-in after thirty days have passed. Write a letter asking if the entry on your credit report has been removed. Request that it be removed right away if it hasn’t been done yet.

Have a Professional Remove the Collection

Lastly, if you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law.

They’ll take care of you, and honestly, they usually get stuff removed a lot quicker.  Check out their website.

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How to Remove MRS Associates From Your Credit Report

What is MRS Associates? MRS Associates Inc. is a company that specializes in accounts receivable tasks, including debt collection.

This company went into business in 1991. Its headquarters are situated in Cherry Hill, New Jersey.

If you’ve received a letter from this company, or a phone call (or perhaps a lot of annoying phone calls!), you should know that there are some practical and effective ways to remove MRS Associates from your credit report.

Now, let’s get into the best way to start moving forward…

Steps To Remove MRS Associates From Your Credit Report

  • Avoid Communicating Over The Phone
  • Demand Validation of Your Debt
  • Negotiate

Avoid Dealing Over the Phone

Under the stipulations which are outlined in the FDCPA (Fair Debt Collection Practices Act, you do have a lot of rights as a consumer.

If you feel harassed by MRS Associates, or simply want to get issues with this collection company resolved, your best line of defense is to send a clear and simple letter to the company.

Mail it out the old-fashioned way. In your letter, you should let the company know that you do know your rights under the FDCPA.

As well, you should formally request that all communications with this accounts receivable company be conducted via letter mail.

This means no e-mail and no phone calls. A paper trail will be incredibly helpful. It will eliminate the risk of misunderstandings.

Other types of communication are not as safe for you. For example, if a representative from MRS agrees to certain things on the phone and then reneges, you won’t have a way to prove that you were promised something.

With letters that are printed and mailed to you, you will always have proof.

Debt collectors need to treat you a certain way or they violate FDCPA guidelines. So, type up your letter and send it in right away. It’s the smartest way to ensure that you are protected.

Demand Validation of Your Debt

Many debt collectors make money by buying debt (usually, for way less than it’s worth!) and then collecting the debt. They buy low, collect more than they paid, and then turn a tidy profit.

This is why collection agencies are so relentless. They need to collect in order to make money.

To stop the debt collector hassles and headaches, you may send another letter, within 30 days of receiving your first communication from the company (which was a request for debt repayment).

Your second letter will be a request that they prove the debt they are trying to collect on is actually yours and they have documentation of it.

I recommend using certified mail once your request for validation of your debt is typed up and ready to go. When you do choose certified mail, you’ll have proof that the letter was received.

The collection services industry tends to bend the rules sometimes and you need backup. Certified mail is a good backup.

The company will need to offer you proof that the debt is valid. Sometimes, companies that purchase debt don’t have all of the paperwork that they need.

When the MRS Associate responds, look over the documentation that is provided. Look for problems.

See if anything is incorrect or missing. If there are issues, write a letter and let the company know what they are.

Inaccuracies or lack of sufficient proof will force the company to stop bothering you…and to wipe your negative entry off of your credit report.

If the company does prove the debt, it’s time to haggle! This means asking to pay a lower amount of the debt, in return for MRS’ agreement to wipe the negative entry from your credit report.

Get a Free Copy of Your Credit Report

Enter the Negotiation Phase

Accounts that are valid necessitate negotiation between you and MRS Associates. Start with a low-ball figure, such as fifty percent of the amount owed.

Remember that all negotiation needs to go through snail mail! Some people are able to settle their debts for as low as ten percent of the total amount.

However, asking for half of the debt to be forgiven is usually fair.

If the company agrees to your demand (to remove the negative entry from your credit report) once you pay the agreed amount, your problems with MCS will soon be a thing of the past.

Just write the company a check and then get in touch thirty days later (by letter) to make sure that the collection entry was removed from your credit report.

If it wasn’t, write a letter demanding that the company fulfill its end of the negotiated agreement.

Do You Need Help With This?

Lastly, if you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law.

They’ll take care of you, and honestly, they usually get stuff removed a lot quicker. Check out their website.

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How to Remove Midland Credit Management From Your Credit Report

Midland Credit Management, Inc., is a third-party debt collector based in San Diego.

If you’re getting letters or phone calls from this company and you want the calls and letters to stop, you’ve come to the right place.

I’m going to tell you exactly how to deal with this debt collection company, and also show you how to get Midland Credit Management collection removed from your credit report.

Communicating with debt collectors can create a stressful situation, so let’s start out by going into how to properly communicate with them.

Steps To Remove Midland Credit Management From Your Credit Report

Here are 3 steps to follow to dealing with Midland Credit Management:

Step 1: Demand Written Communication Only

I do not recommend dealing with Midland Credit Management over the phone. While many debt collectors do follow ethical business practices, some of them promise things over the phone and then have no record of their promises.

When this happens, the consumer can’t prove promises were made. It’s much safer to keep communications restricted to letters which are sent and received via mail. If you want an even more reliable method, use registered mail.

With this in mind, the first step that you should take is to send a letter to Midland Credit Management demanding all communications with the company be handled in writing.

You have the right as a consumer to make this demand.

The Fair Credit Reporting Act (FCRA) was designed to promote fairness and accuracy by consumer reporting agencies. Under the rules set out in the FCRA, you do have rights, one of which is to demand written communication.

Try to send this letter within thirty days of hearing from Midland Credit Management for the first time. It’s important to take action quickly, as your chances of getting a negative entry removed from your credit report will decrease beyond the first thirty days.

Get a free copy of your credit report here to get started.

Step 2: Request Validation of the Debt

Midland Credit Management wants to collect on debt bought in bulk from original creditors such as credit card companies and personal lenders. Midland Funding buys this debt for pennies on the dollar.

Then, Midland Credit Management starts collecting on this debt, breaking even and then making profit by collecting outstanding debt from consumers.

Since MCM won’t make money unless the debt is collected, their representatives can be tenacious!

To move forward with getting MCM removed from your credit report, you should write another letter called a debt validation letter, also within thirty days of your first communication with this debt collector.

This letter should demand validation of your debt. The company has to prove the debt in question is in fact yours.

When the company responds, look over the data that’s been sent to you. Are there any inaccuracies? If there are, the company would have to stop contacting you and remove the negative entry.

Under the terms of the Fair Credit Reporting Act, MCM is mandated by law to investigate the claim they’ve contacted you about. If you can prove that the claim is not valid, it will be wiped off your credit report.

It’s possible that MCM reps will be able to prove the validity of the debt. If they do, you’ll need to try something else.

Step 3: Make a Deal With Midland

It’s usually possible to haggle with debt collectors and then pay less than what you owe in exchange for having the credit entry removed from your credit report.

This type of negotiation happens a lot. Since collection services companies do pay less than the going rate for the debt that they bought, they can afford to take less than the sum total of the debt and still turn a profit.

Anything you pay (beyond their low purchase price for the debt) is profit from their point of view.

With this in mind, if MCM does validate your debt, you should make every effort to negotiate! If you don’t, you may find the negative impact of the debt upon your FICO credit score is an ongoing burden.

This will likely affect your ability to get credit in the future, such as a car loan, new credit card or mortgage.

And, of course, you’ll keep getting phone calls and letters from MCM’s account managers about this past-due debt.

Negotiate a Pay for Delete

To take care of this third step, write a third letter to offer a deal! Offer to pay a set percentage of the total debt, such as thirty to fifty percent (it’s really up to you), in exchange for having Midland Credit Management removed from your credit report.

Remember, never do this type of negotiation over the phone.

If the company agrees to your terms, write them a check, mail it in, and avoid giving them any access to your bank account. Wait thirty days and then write a final letter, asking the company to verify that the negative entry has been taken off of your credit report.

If you set up a payment plan, get the plan’s terms in writing — and do your part to follow the agreed-upon terms. MCM could cash your checks and later not acknowledge that you made a deal. MCM would still appear on your credit report. The original creditor may appear as well.

Or, Have a Professional Remove Your Debt

The three steps above are simple enough, but if you’re the type of person who would rather have a professional handle your credit problem and just be done with the whole thing, I suggest you check out Lexington Law.

They will take care of you, and honestly, they usually get stuff removed a lot quicker because it’s what they do. Check out their website.

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Midland Funding or Midland Credit Management?

You may see two different company names in use. Midland Funding LLC is a debt buyer.

The firm buys old debt from original creditors, usually for pennies on the dollar. If Midland Funding buys your old debt, it will turn the account over to Midland Credit Management to collect the debt from you.

Midland Funding could appear on your credit report even though you’d be dealing with Midland Credit Management.

If you choose to contact the credit bureaus directly about your debt, be sure you specify which company you’re concerned about.

What Will Midland Do If I Don’t Pay Old Debt?

Like any collection agency, Midland Credit Management’s debt collection practices rely on persistence and a certain degree of implied fear.

MCM won’t break the law but many account holders still consider the agency’s practices as harassing behavior.

The Better Business Bureau receives hundreds of complaints each year about MCM’s debt collection practices.

But The Fair Debt Collections Practices Act (FDCPA) prohibits MCM and other debt collectors from calling you at odd times such as late at night or early in the morning — especially after you’ve requested, in writing, that they stop.

The FDCPA also gives you the power to control which phone number MCM calls.

Be sure to request a change of phone number and other contact information in writing. Contact the BBB or your state’s regulators if Midland fails to follow stipulations of the FDCPA.

MCM has its own Consumer Bill of Rights which you can read here.

Will MCM Take Legal Action Against Me?

If you do not pay the debt, MCM could take legal action against you to collect the debt.

If this happens, check the statute of limitations in your state for the kind of debt you owe. You can get the case dismissed without even calling a law firm to seek legal advice if the statute has expired.

These statutes vary from state to state. New York State has a six-year statute on all consumer debt; California’s statute is four years on most types of debt.

Just to be clear: Statutes of limitations on debt refer only to a debt collector’s ability to take legal action against you.

You would still owe the debt even after the statute expires; you just couldn’t be held legally liable in a court of law.

Chances are if you’ve just been contacted by Midland for the first time, your debt will be within the statute of limitations.

Should I Pay MCM Or Wait it Out?

If Midland Credit Management Inc. can validate your debt and if you can negotiate down to an amount you can afford in exchange for removing Midland Funding or MCM from your credit report, you can benefit from my three-step approach above.

You’ll get the debt off your report pretty quickly.

However — I can’t overstate this — you must get an agreement in writing from MCM before paying anything.

The benefit of this approach is getting this derogatory mark off your credit report so you can get better interest rates on loans and regain control of your financial life within a couple months.

But there’s another strategy to consider: Waiting until this debt no longer appears on your credit report which would take at least seven years.

If you cannot afford a negotiated settlement and you have no other action to settle the debt, you may decide to wait it out.

If you do wait for the derogatory mark to go away, you should stop communicating with MCM immediately.

Any communication could reset the statute of limitations to Day 1, and it could extend the time Midland Funding stays on your credit report.

Does MCM have Covid-19 Hardship Relief?

Student loan servicers, most mortgage lenders, and some credit card issuing banks have started Covid-19 financial hardship relief programs.

You could skip payments or enter an extended period of forbearance during the pandemic’s economic aftermath.

Midland Credit Management has added a note on its home page, expressing a willingness to work with account holders to keep accounts current.

As is so true with anything related to debt collections, especially through MCM, be sure to get any new agreements you make in writing, especially if you’ve bargained the removal of this debt from your credit report.