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How to get evergreen professional (EP) off my credit report

  • Evergreen Professional on your credit report can indicate a potentially inaccurate debt, which may damage your credit score.
  • A damaged credit score can prevent you from getting approved for loans, better interest rates, or even housing and job opportunities.
  • Call The Credit Pros today for a 3-bureau credit report review and create a plan to repair your credit.

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If you see "Evergreen Professional" on your credit report, it indicates that they’re collecting a debt you owe. It’s crucial to verify this debt immediately since incorrect information can harm your credit score. Ignoring it won’t make it disappear; it could lower your score for years.

Start by reviewing your 3-bureau credit report. If you find inaccuracies or believe the debt isn't yours, dispute it with the credit bureaus. Remember, you have rights when dealing with debt collectors. Stay informed to protect yourself.

The best move is to call The Credit Pros. We offer a no-pressure consultation to evaluate your credit report and guide you through your unique situation. Don't wait; your financial health depends on timely action.

On This Page:

    Why Is Evergreen Professional On My Credit Report?

    Evergreen Professional Recoveries appears on your credit report because they are a debt collection agency that has either purchased a debt you owe or is collecting for another creditor. Often, they buy debts for a fraction of the original amount you owed (sometimes as little as 10%), which allows them to try to collect the full amount from you. This collection account can negatively impact your credit score, making it harder for you to secure loans or credit in the future.

    You might not have to pay this debt right away. It's important first to verify if this debt is legitimate. If Evergreen Professional did not accurately report your debt information, you can dispute it with the credit bureaus. This could lead to its removal from your report.

    To address this situation, review your credit report closely for any inaccuracies related to this collection account (as discussed in detail in section 4 of our article). By knowing your rights and options, you can take informed steps to manage how Evergreen Professional affects your credit.

    Remember, it's essential to handle these communications carefully to protect your financial health and well-being.

    Is Evergreen Professional Legit Or A Scam (E.G. Fake)?

    Evergreen Professional Recoveries can be considered legitimate, but it operates within a debt collection industry that often faces criticism for deceptive practices. While the company itself is accredited by the Better Business Bureau (BBB) and has been in business for decades, many people find that debt collectors can rely on tactics that may feel spammy or manipulative.

    You might wonder why this matters. Understanding the nature of debt collection can help you navigate your situation effectively. Here are a few key points about Evergreen Professional:

    • They have a history of handling debt collections, backed by BBB accreditation since 1994.
    • There have been complaints against them, with 17 filed in the last three years.
    • Their practices align with common industry standards, which can sometimes involve aggressive tactics.

    To sum it all up, while Evergreen Professional is not a scam, it’s wise to be cautious when dealing with any debt collector. Ensure you’re informed about your rights and consider how their practices might impact your financial decisions.

    Which Company Does Evergreen Professional Collect Debt For?

    Evergreen Professional Recoveries is a debt collection agency that collects debts for various creditors, particularly those who have written off accounts (often referred to as charge-offs).

    The specific companies they collect for can vary, and this information is not always made publicly available. However, you may find that they typically deal with debts from credit card companies, loan providers, and similar financial institutions.

    Since specific creditor information isn't always disclosed, it's crucial for you to pull your 3-bureau credit report to see a complete breakdown of what's affecting your credit score. This way, you can understand your unique financial situation better and take appropriate actions based on the debts listed there.

    How Do I Stop Evergreen Professional From Calling Me?

    To stop Evergreen Professional from calling you, you have several effective options. First, you can register your phone number on DoNotCall.gov to reduce and potentially stop these unwanted calls. This government resource can help you block many telemarketing and collection calls from reaching you.

    Additionally, consider using call-blocking apps available on both Android and iOS devices. These apps allow you to block specific numbers, providing you with an extra layer of peace.

    If the calls continue, keep a detailed log of every unwanted interaction, noting dates, times, and any abusive language. This documentation can be crucial if you decide to escalate the issue or consult a lawyer for harassment.

    Finally, while it may feel counterintuitive, not engaging with the collection agency is often advisable. Instead, connect with a reputable credit repair company, like The Credit Pros, to examine your credit report and create a proactive plan. They can help you dispute any inaccuracies and guide you in resolving the issue sustainably.

    Remember, taking these steps empowers you to regain control over your phone and financial life.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    How Do I Dispute (And Remove) Evergreen Professional On My Report That I Believe Is Inaccurate?

    To dispute and remove Evergreen Professional from your credit report, you first need to obtain your credit reports from all three bureaus (Equifax, Experian, and TransUnion). Carefully check each report for inaccuracies related to Evergreen Professional.

    If you find any incorrect information, draft a debt validation letter and send it to Evergreen Professional, requesting they verify the accuracy of the debt within 30 days. Ensure you use certified mail to keep a record of your communication.

    If they fail to validate the debt or provide satisfactory proof, you can then send a dispute letter to the credit reporting agencies to request removal.

    Additionally, consider consulting with a reputable credit repair company to help craft more effective dispute letters and navigate this process.

    Remember that acting swiftly is key, as you want to protect your credit standing and clear any potentially harmful inaccuracies. In brief, collecting your reports, validating the debt, and disputing inaccuracies are essential steps to rectify your credit report regarding Evergreen Professional.

    Can'T I Just Ignore Evergreen Professional (Pros And Cons)?

    Ignoring Evergreen Professional is not a wise option (it may seem tempting, but it has consequences). While you can decide to block their calls, this won't stop them from contacting you using different numbers. Moreover, the debt may still appear on your credit report, which can negatively impact your credit score and hinder your ability to secure loans in the future.

    Instead of ignoring them, consider these pros and cons:

    • Pro: Blocking calls may temporarily reduce your stress from harassment.
    • Con: Ignoring the situation doesn't resolve the debt or prevent additional calls.
    • Con: The unresolved debt remains on your credit report, making future financial transactions difficult.

    To address this effectively, you should reach out to Evergreen Professional directly, validate the debt, and explore negotiation options. In short, ignoring them may lead to further complications, so take proactive steps to manage the situation.

    Evergreen Professional Contact Info (Phone # And Address)?

    Evergreen Professional Recoveries Inc. is located at 12100 NE 195th St Suite 125, Bothell, WA 98011. You can reach them by phone at (206) 223-1676.

    When dealing with Evergreen Professional, be cautious of the numerous calls you might receive from various numbers, as they often use localized numbers to encourage you to answer. It's advisable not to engage with them directly.

    Instead, consider pulling your 3-bureau credit report for a comprehensive view of your situation. The Credit Pros can help with a free expert analysis. Always remember, knowing your rights is crucial in dealing with debt collectors like Evergreen Professional.

    Why Is Evergreen Professional Calling Me If They'Re Not On My Credit Report?

    Evergreen Professional may be calling you for several reasons, even if they're not on your credit report. One likely scenario is that they've acquired a debt from a creditor that hasn't yet been reported to the credit bureaus. This means you may still owe money, but it hasn't made its way onto your credit profile yet.

    Another possibility involves recent changes in debt assignment; debts might be transferred between collectors, and it can take time for those updates to appear in your credit report. If this is the case, Evergreen Professional is allowed to reach out to you regarding the outstanding balance, following the Fair Debt Collection Practices Act (FDCPA), which requires them to provide validation information within five days of first contact.

    Additionally, if you experience mistakes or issues related to debt-like identity theft or clerical errors-Evergreen might contact you about debts that are not legitimately yours. If so, you have the right to challenge these claims, as they must validate the debt upon your request.

    Lastly, if you've previously engaged with another collection agency regarding this debt, it’s possible they might have sold it to Evergreen Professional without proper updates, which could lead to confusion. Remember, it’s important to document any communication with them and explore your rights under federal and state laws when dealing with collection actions.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    How Do I Verify (E.G. Proof Of Debt) If I Actually Owe This Debt From Evergreen Professional Or Not?

    To verify if you owe a debt to Evergreen Professional, first request a Debt Validation Letter (DVL) from them. This letter is your right under the Fair Debt Collection Practices Act (FDCPA). It must include details such as the amount owed and the original creditor’s information. Contact Evergreen directly to ask for this proof (keep your request documented).

    Once you receive the DVL, carefully review it to determine if the debt is legitimate. If it’s unclear or seems incorrect, reach out to your credit report provider to check if this debt is listed. You have a grace period of 30 days from receiving the DVL to dispute the debt if you believe it's inaccurate; sending your dispute in writing is crucial.

    Moreover, consider seeking advice from a financial counselor or legal expert if you’re unsure about your obligations or to confirm the legitimacy of the debt. Remember, it's essential to act promptly. If you ignore the requests or the situation, it might worsen.

    In short, request proof, review the information, and dispute if necessary.

    Does Evergreen Professional Hurt My Credit Score If It'S On My Report?

    Yes, Evergreen Professional Recoveries can hurt your credit score if it's on your report. When they report a collections account, it indicates you have unpaid debt, which negatively impacts your creditworthiness.

    This collection can lower your score significantly, making it tougher to secure loans or credit in the future. Once a collections account appears, it usually stays on your report for seven years, even if you settle the debt.

    So, if you see Evergreen Professional Recoveries listed, it's a mark against your credit. Addressing the issue promptly can help mitigate the damage to your score.

    Will Paying This Debt From Evergreen Professional Remove It From My Credit Report?

    Paying a debt from Evergreen Professional typically does not guarantee that it will be removed from your credit report. This is primarily because collection accounts may remain on your report for up to seven years, even after payment. Essentially, settling a debt might improve your standing but does not remove the record itself.

    To clarify, if you pay off this debt, it may be marked as "paid" but will still linger on your credit report. Thus, it’s crucial to approach payment with caution. In some cases, you might negotiate a "pay for delete" agreement, where you request that Evergreen removes the account upon payment. However, this practice isn’t always honored and can lead to complications.

    Instead of rushing into payment, consider consulting with a credit repair company like The Credit Pros. They can help identify if the entry is inaccurate and assist you in disputing it, potentially increasing your credit score in the long run.

    To sum up, paying off your debt with Evergreen Professional may not remove it from your credit report.

    Should I Negotiate With Evergreen Professional And 'Settle' To Pay This Debt?

    It’s generally not advisable to negotiate with Evergreen Professional Recoveries to settle your debt, as doing so can still leave a negative mark on your credit report. While settling may seem like an attractive option, it doesn't erase the impact of the original debt. A settled account remains on your credit report for up to seven years and can still hurt your credit score during that time.

    Instead of negotiating, focus on verifying whether the debt is legitimately yours. You should request a debt verification letter from Evergreen. This letter should confirm the details of the debt and ensure it’s valid-without this, the debt may be questionable. If you find any discrepancies in the reported debt, you have the right to dispute it.

    If you're facing challenges managing this debt, consider reaching out to a credit specialist who can help you navigate your options without harming your credit score further. Remember, it's often better to analyze your situation thoroughly before taking any actions that will have long-term effects on your financial health. Make informed decisions that prioritize your credit standing.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    Does Evergreen Professional On My Report Hurt My Ability To Get Credit/Loans In The Future?

    Yes, having Evergreen Professional Recoveries on your credit report can negatively impact your ability to secure credit or loans in the future. When this collection agency appears on your report, it signals unpaid debts that have been turned over for collection, which reflects poorly on your payment history-a key factor in determining your credit score. This negative entry can remain on your report for up to seven years, continually affecting your creditworthiness.

    Specifically, the presence of a collections account indicates to lenders that you may struggle to manage credit responsibly. They might see it as a red flag, leading to potential denials for loans or higher interest rates if you are approved. It's essential to address any outstanding debts, as unresolved collections can hinder your financial options.

    If you find yourself in this situation, consider disputing inaccuracies on the report or negotiating with Evergreen Professional Recoveries to settle the debt, possibly using strategies like ‘pay for delete’ to remove the collection from your report.

    In the end, addressing this issue proactively will help restore your credit health and improve your chances of obtaining future credit or loans.

    Should I Consider A 'Pay For Delete' Option With Evergreen Professional?

    Considering a 'pay for delete' option with Evergreen Professional Recoveries can be a viable strategy, especially if your debt is minor (less than $100). This option may allow you to negotiate a payment in exchange for removing the negative entry from your credit report, potentially improving your credit score.

    Before you take action, it’s prudent to pull your 3-bureau credit report. Identify any inaccuracies or negative items that could also be contested. This way, you cover all bases and understand your financial standing fully.

    However, it’s essential to note that paying off a collection doesn’t automatically erase it from your credit history. The record will stay for up to seven years, and it’s worth weighing the potential benefits against the drawbacks. Keep in mind, if the debt is part of a larger issue, addressing it systematically can be more beneficial in the long run.

    In short, a 'pay for delete' agreement might improve your situation with Evergreen Professional Recoveries, particularly for small debts. Just ensure you have a complete view of your credit health before deciding.

    Can I Send A 'Goodwill' Letter To Evergreen Professional And Ask Them To Remove This Debt?

    Yes, you can send a goodwill letter to Evergreen Professional Recoveries to request the removal of a debt from your credit report.

    A goodwill letter is a polite request asking a creditor (or collection agency) to remove a negative mark out of goodwill, often based on circumstances that caused a payment delay. Consider explaining your situation-like financial hardships, job loss, or medical emergencies-while emphasizing any positive payment history you have.

    However, keep your expectations realistic, as many goodwill letters do not yield successful outcomes. Most debt collectors might not be charitable, so it’s crucial to approach this step with caution.

    If your letter doesn’t work, there are other options available to address inaccuracies or negotiate settlements. In short, while sending a goodwill letter could be worth a shot, don't get your hopes too high.

    Evergreen Professional Reviews And Complaints From Real Customers

    Evergreen Professional Recoveries, a legitimate debt collection agency, has received significant criticism from real customers. Its average Google rating stands at just 1.4 out of 5 stars, with over 150 complaints registered with the Consumer Financial Protection Bureau (CFPB). Customers frequently report being contacted about debts they believe to be illegitimate, which shows the importance of validating any alleged debts before engaging with the agency.

    Specific complaints highlighted in reviews include accusations of harassment and mishandling of personal information. Reviews mention inadequate communication and unprofessional conduct from representatives. For example, several customers reported feeling overwhelmed by persistent calls even after disputing their debts. This type of behavior raises concerns about compliance with the Fair Debt Collection Practices Act (FDCPA), which protects consumers from harassment.

    Overall, while Evergreen Professional is a licensed company, you should tread carefully. Always verify any claims made regarding your debt and consider filing a complaint if you feel your rights are being violated. This approach can help safeguard your consumer rights and empower you during interactions with this agency.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    What Are My Rights When Dealing With Debt Collectors Like Evergreen Professional?

    When dealing with debt collectors like Evergreen Professional, you have several important rights under the Fair Debt Collection Practices Act (FDCPA). First, you have the right to receive clear information about your debt. Within five days of their first communication, they must provide written notice of the debt amount, the creditor’s name, and your right to dispute the debt. If you write to them disputing the debt within 30 days, they must verify it before continuing collection efforts.

    You can also limit their communications. They are prohibited from contacting you at inconvenient times (like before 8 a.m. or after 9 p.m.) or at your workplace if you’ve requested they don’t. You have the right to ask them to stop contacting you entirely; after receiving your request, the collector can only reach out for specific follow-ups.

    Furthermore, debt collectors must respect your privacy. They can’t discuss your debt with anyone except your spouse or your attorney. They are also prohibited from using harassment, threats, or misleading statements when attempting to collect the debt. If they violate these protections, you have the right to take legal action against them within one year of the violation.

    Remember to document all communications with debt collectors and consult with a legal professional if you believe your rights are being violated. Understanding these rights can empower you to handle interactions with debt collectors more effectively.

    Can Evergreen Professional Contact My Family Or Employer About My Debt?

    Yes, Evergreen Professional Recoveries can contact your family or employer, but only under specific conditions. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors may reach out to others solely to obtain your contact information, such as your phone number or address. They are not allowed to discuss the details of your debt with anyone except for your spouse, attorney, or co-signer.

    If you've informed them in writing to cease communication, they must respect your request and can’t keep trying to reach your family or employer. Please ensure to assert your rights by requesting verification of the debt if needed, as this can halt additional collection efforts until they comply.

    It’s crucial to understand your rights and the limits of collector communications, which safeguard your privacy and put you in control of the situation. Overall, while they have limited rights to contact others about your whereabouts, they cannot share debt details with anyone outside your immediate circle without facing potential legal consequences.

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