Remove Creditors Remove Loans Remove Original Creditor Remove Third-party Debt Collectors
article thumbnail

Dealing with Debt Collectors

Debt Free Colorado

The Fair Debt Collection Practices Act (FDCPA) applies to collection firms and debt collectors attempting to recover consumer debts. Consumer debts include credit card debts, vehicle loans, medical costs, and school loans. The UCCC does not cover first home mortgages and refinancing loans.

article thumbnail

How to Remove ConServe from Your Credit Report

Better Credit Blog

ConServe is a debt collection agency that may contact you regarding unpaid debts. They are a third-party debt collector, which means that they may be hired by your original creditor, or they may purchase your old debt on the chance that you pay them instead. Validate the Debt.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

How to Remove National Credit Systems From Your Credit Report

Better Credit Blog

If you owe an old landlord money on your rent, you may begin to hear from a debt collector called National Credit Systems. National Credit Systems is a third-party debt collector that has been hired on behalf of the original creditor to collect the debt from you.

article thumbnail

How to Remove FMA Alliance From Your Credit Report

Better Credit Blog

FMA Alliance is a third-party debt collector that works with companies to recover delinquent accounts from customers. Before a debt collector can contact you for payment, they must first report the debt to the major credit bureaus. This can mean trouble for your future loan or interest rate prospects.

article thumbnail

How to Get Wilshire Consumer Credit Off Your Credit Report

Better Credit Blog

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

article thumbnail

3 Ways To Remove Charge-Offs From Your Credit Report

Better Credit Blog

Here are 3 proven methods to remove a charge-off from your credit report: Negotiate A “Pay for Delete” & Pay The Creditor To Delete The Charge-Off. Offer To Pay The Creditor To Delete The Charge-Off. Some creditors will claim they can’t legally remove the charge-off. Creditor Name. This isn’t true.

article thumbnail

Charged Off as Bad Debt: An Explainer

Credit Corp

When you miss too many payments, your creditor may charge off the debt. When your debt is charged off as a bad debt, don’t fool yourself into thinking it goes away. A charged off debt can lead to harassing phone calls, garnished wages, and a major drop in your credit score. in the final quarter of 2019.