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How to get Paragon Contracting (PC) off my credit report

  • Paragon Contracting may be inaccurately reporting a debt that hurts your credit score.
  • This inaccurate information can decrease your chances of securing loans, higher interest rates, and limit housing options.
  • Contact The Credit Pros to analyze your 3-bureau credit report and develop a strategy to fix your credit.

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Paragon Contracting appears on your credit report because they are collecting a debt you owe. It's crucial to verify this debt's legitimacy and ensure it’s accurately reported. Ignoring them won't make the problem go away; it will only harm your credit score further.

If you find inaccuracies or have questions about the debt, consider taking action. You have rights under the Fair Debt Collection Practices Act (FDCPA) that allow you to dispute the debt and request validation. Proactively addressing the issue can improve your credit standing and provide peace of mind.

For tailored advice, reach out to The Credit Pros. We can help you evaluate your 3-bureau credit report and guide you based on your specific circumstances. Don’t hesitate—take charge of your credit today!

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    Why Is Paragon Contracting On My Credit Report?

    Paragon Contracting appears on your credit report because they are likely a debt collector attempting to collect on a debt you owe. This debt usually stems from unpaid accounts you had previously, which they purchased from your original creditor. As a result, they report this debt to credit bureaus, impacting your credit score.

    You may not be obligated to pay this debt yet. First, verify if it is legitimate and check whether Paragon Contracting accurately reported your debt details. Inaccurate information must be removed from your report. So, before engaging with them, ensure that you understand your rights and the specifics of the debt.

    If you need advice, refer to the section on disputing debts to explore your options further. Remember, knowing your rights is crucial when dealing with debt collectors.

    Is Paragon Contracting Legit Or A Scam (E.G. Fake)?

    Yes, Paragon Contracting is legitimate, but like many debt collection companies, it may use aggressive tactics that some find deceptive (a common issue in this industry). While they operate within legal parameters, they rely on strategies that can evoke stress and uncertainty for you.

    Here are key points to consider:

    • Legitimacy: Paragon Contracting operates legally and is registered. However, confirm their credentials through proper channels.

    • Collection Methods: They often employ high-pressure tactics. This is typical in debt collection, and it's essential to be aware of your rights (more on this in section 17).

    • Consumer Reviews: Look for reviews and complaints about Paragon Contracting (discussed in section 16). Feedback from others can provide insight into their practices.

    Keep your guard up. Understand your rights, explore your options, and engage with them cautiously. You’re not alone in navigating these waters, and knowledge is your best ally.

    Which Company Does Paragon Contracting Collect Debt For?

    Paragon Contracting collects debt for various creditors, but specific names can vary by case. Often, they manage accounts for utility companies, financial institutions, and healthcare providers.

    If you're unsure who your debt is with, pulling your 3-bureau credit report will provide detailed information about outstanding debts affecting your score. It's essential to know the original creditor, as that will guide your next steps in dealing with the debt.

    Remember, regardless of the creditor, addressing the debt promptly is crucial to protect your credit standing.

    How Do I Stop Paragon Contracting From Calling Me?

    To stop Paragon Contracting from calling you, consider several effective options. First, block their number using your phone's built-in features or by downloading a spam-blocking app (these are available on both Android and Apple devices). This simply prevents any further calls from their specific number.

    Additionally, you can register your number with the National Do Not Call Registry. This might help reduce unwanted calls over time. Another straightforward method is to silence unknown numbers via your phone settings, allowing legitimate calls to come through while filtering out potential debt collection calls.

    While these options can significantly decrease their contact attempts, the most effective solution is to reach out to a reputable credit repair company like The Credit Pros. They can provide a comprehensive three-bureau credit report analysis and develop an action plan to help stop Paragon Contracting from contacting you for good.

    Remember, taking proactive steps is key to regaining control over your financial peace.

    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) Paragon Contracting On My Report?

    To dispute and remove Paragon Contracting from your credit report, first pull your three-bureau report (Experian, TransUnion, and Equifax) to identify their entry. Check for inaccuracies. If you find any discrepancies, send Paragon a verification letter requesting them to validate the debt.

    Next, consider working with a reputable credit repair company, like The Credit Pros. They can assist you in sending calculated dispute letters and employing other techniques to potentially remove this inaccurate listing from your report.

    You have rights to dispute inaccurate information and regain control over your credit score. Following these steps increases your chances of successfully removing Paragon Contracting from your report.

    Can'T I Just Ignore Paragon Contracting?

    Ignoring Paragon Contracting won't resolve your debt. You may feel tempted to shut them out; however, genuinely doing so is ineffective. They can still reach out to you, even from different numbers, making it feel like a non-stop barrage.

    Moreover, ignoring them does not eliminate the debt on your credit report. This can severely impact your credit score and your ability to secure future loans or credit. The longer the debt remains, the worse the potential damage.

    Instead of ignoring, consider addressing the situation directly (refer to sections on disputing debts or negotiating payment options). Taking action can help you regain control. Simply put, ignoring won't solve the issue; proactive steps will.

    Paragon Contracting Contact Info (Phone # And Address)

    For Paragon Contracting, the contact phone number is (888) 654-8740. However, we could not find a specific address associated with this debt collection agency.

    Be cautious of frequent calls from various localized numbers, as debt collectors like Paragon Contracting often use this tactic to pressure you into answering. It’s advisable not to contact them directly.

    Instead, we strongly recommend pulling your 3-bureau credit report for clarity on your status. The Credit Pros can provide a free expert analysis to help you navigate the situation effectively.

    Why Is Paragon Contracting Calling Me If They'Re Not On My Credit Report?

    Paragon Contracting may be calling you even if they're not on your credit report for several reasons. They might have acquired a debt recently transferred to them that hasn't yet been updated in your credit records. If this is the case, they are legally obligated to provide you with validation of the debt within five days of their first contact, per the Fair Debt Collection Practices Act (FDCPA).

    Another possibility is that a debt associated with your name has not been reported to credit bureaus. This doesn't violate any laws, but if Paragon misrepresents the debt or fails to validate it upon your request, they may be in violation of the FDCPA.

    Clerical errors could also play a part; if there's an unreported debt due to mistakes, you can dispute these under the Fair Credit Reporting Act (FCRA). Moreover, if this debt stems from identity theft, they must stop collecting once you notify them.

    Understanding these potential scenarios empowers you to take action if needed. Make sure to document all interactions with Paragon Contracting. Remember, knowing your rights under laws like the FDCPA and FCRA is crucial.

    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 If I Actually Owe This Debt From Paragon Contracting Or Not?

    To verify if you owe a debt to Paragon Contracting, start by requesting a debt validation letter. This letter, mandated by the Fair Debt Collection Practices Act (FDCPA), obligates them to verify the debt's legitimacy, including details like the original creditor, balance, and any fees.

    1. Contact Paragon Contracting: Reach out to them using the contact information available in previous sections (e.g., their phone number or address). Request proof of the debt. This initiates the verification process and puts you in control.

    2. Review Documentation: Once you receive the validation letter, check for discrepancies. Ensure the details align with your records. If they don't match, you may not owe the amount they claim.

    3. Keep Records: Document all communication. This supports your case in disputes if needed.

    4. Consult an Expert: If you're unsure of the process, seek help from a credit repair company like The Credit Pros. They can offer guidance and assist in debt validation, making the process smoother.

    Verifying your debt is crucial to avoid paying for mistakes or inaccuracies. Take this step seriously to ensure financial clarity.

    Does Paragon Contracting Hurt My Credit Score If It'S On My Report?

    Yes, if Paragon Contracting appears on your credit report, it negatively impacts your credit score. Collection accounts, like those from Paragon Contracting, signal unpaid debt to creditors, which lowers your score.

    Your payment history makes up a large part of your credit score (35%), and an account in collections is a significant red flag. Even if you later pay off the debt, the negative mark may linger on your report for up to seven years.

    To mitigate damage, consider disputing the entry (as detailed in section 5) or negotiate a pay-for-delete agreement (see section 13). Remember, you can rebuild your credit over time with responsible financial habits. In short, Paragon Contracting on your report definitely hurts your credit score.

    If I Pay My Debt With Paragon Contracting Will They Remove It From My Report?

    If you pay your debt with Paragon Contracting, it doesn't guarantee removal from your credit report. Many times, debt collectors may agree to a 'pay for delete' arrangement, but this isn't a legally binding practice. It often depends on their policies, and they may still report the debt as paid, which doesn’t significantly improve your credit score.

    Instead of quickly opting to pay, consider these points:
    • Understand that paying off the debt may not clear it from your report.
    • Debt collectors can still report the status of the debt even after payment.
    • You might be dealing with inaccuracies that could be disputed.

    Working with a credit repair company like The Credit Pros could be more beneficial. They understand the complexities of credit reporting and can help identify any potentially inaccurate negative items on your report. This way, they can help you successfully dispute and aim for removal, potentially improving your credit score overall.

    Remember, simply paying doesn’t always equate to resolving the underlying issue with your credit report. Prioritize a strategic approach for better outcomes.

    Should I Negotiate With Paragon Contracting And Just Pay It Off?

    It's generally unwise to negotiate with Paragon Contracting, especially if you're considering simply paying it off. Even if you manage to settle the debt, the negative item may still appear on your credit report. This can damage your credit score and hinder future loan approvals.

    Before proceeding, consider the overall impact on your credit. If the debt amount is less than $100, a settlement might be more acceptable, but this isn't the best path to choose.

    We recommend pulling your three-bureau credit report instead. This allows us to evaluate your situation thoroughly and create a tailored action plan to improve your credit health.

    In short, avoid negotiating with Paragon Contracting. Focus on a comprehensive approach to address your credit concerns.

    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 Paragon Contracting On My Report Hurt My Chance To Get A Future Loan?

    Yes, having Paragon Contracting on your report can hurt your chances of securing a future loan. Lenders typically review your credit report when assessing your loan application, and a collection account like Paragon Contracting signals potential risk. This may lead to higher interest rates or outright denial of credit.

    When lenders see collections, they might perceive you as less financially reliable. This perception can lower your credit score, especially if the account remains unpaid. Additionally, if Paragon Contracting reports negatively multiple times, it compounds the impact on your creditworthiness.

    To mitigate these effects, consider addressing the debt with Paragon Contracting. Settling or negotiating can improve your credit profile, showing lenders you’re proactive about resolving your obligations. Overall, a collection account definitely affects your loan prospects, so addressing it promptly is crucial.

    Should I Consider A 'Pay For Delete' Option With Paragon Contracting?

    Yes, consider a 'pay for delete' option with Paragon Contracting if it can help you remove negative entries from your credit report. This strategy involves negotiating with Paragon Contracting to pay a portion of your debt in exchange for them deleting the account from your credit report, which can improve your score.

    Evaluate the size of your debt. If it’s small (less than $100), it may be worth pursuing. Before you commit, pull your full credit report from all three bureaus. Look for any other inaccuracies that you might be able to dispute, which can help further improve your credit standing.

    Keep in mind, even if Paragon agrees to a pay-for-delete arrangement, there’s no guarantee it will be honored. Document all communications and get any agreements in writing. This proactive approach can significantly benefit your credit profile and financial future.

    Can I Send A 'Goodwill' Letter To Paragon Contracting And Ask Them To Remove This Debt?

    You can send a goodwill letter to Paragon Contracting asking them to remove your debt. However, this approach often yields limited success. Most debt collectors, including Paragon Contracting, typically prioritize their bottom line over goodwill gestures.

    To increase your chances of a positive response, you should:

    • Clearly explain your reasons for requesting removal (like a change in financial circumstances).

    • Mention your history of timely payments to other creditors.

    • Express genuine intention to settle the debt, even if they don’t remove it from your report.

    While sending a goodwill letter is worth a try, be prepared for the possibility that Paragon Contracting may not comply. If you're looking for more strategies, consider reading about disputing methods in the “how do I dispute (and remove) paragon contracting on my report?” section. Overall, a goodwill letter is a step towards resolution, but it rarely guarantees removal.

    Paragon Contracting Reviews And Complaints From Real Customers

    Paragon Contracting, a debt collection service, has garnered mixed reviews from customers. While some clients appreciate their prompt communication, others express frustration regarding aggressive tactics and unclear communication.

    Key points from real customer feedback include:

    • Communication Issues: Many users report difficulty in reaching a representative for clarifications.

    • Aggressive Collection Tactics: Some complaints highlight pressure tactics that felt overwhelming, leading to heightened stress.

    • Mixed Outcomes: Customers often mention achieving resolution but note a lack of transparency throughout the process.

    Overall, customer experiences with Paragon Contracting reveal a blend of effective service but significant areas for improvement. If you’re dealing with them, understanding these insights can help you navigate your interactions more effectively.

    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 Paragon Contracting)?

    You have clear rights when dealing with debt collectors like Paragon Contracting. Under the Fair Debt Collection Practices Act (FDCPA), these rights empower you to manage communications effectively.

    Firstly, collectors must inform you about the debt in writing within five days of contacting you. This notice should include the debt amount and your right to dispute it. If you contest the debt in writing within 30 days, they must verify it before proceeding with collection efforts.

    You can limit communications by instructing collectors to stop contacting you through specific methods. They can only reach out to confirm no further contact or to inform you of specific actions they will take.

    You also have protection against harassment. Collectors cannot use threats or abusive language. Additionally, they may only contact others to locate you, not discuss your debt with them.

    In essence, knowing your rights under the FDCPA allows you to stand firm against unfair practices. If you feel your rights have been violated, you can seek legal advice or report the behavior to relevant authorities.

    Can Paragon Contracting Contact My Family Or Employer About My Debt?

    Paragon Contracting can contact your family or employer, but only under specific conditions. The Fair Debt Collection Practices Act (FDCPA) allows debt collectors to reach out to others solely to locate you, which includes verifying your address, phone number, or workplace. They cannot disclose any details about your debt to them, since that would violate your right to privacy.

    You have rights that protect you from excessive or invasive collection methods. For example, they can't contact your employer if you ask them not to, or if your employer disapproves. Additionally, you can formally request that they stop contacting your family or employer, and they must comply.

    If you feel that Paragon Contracting is violating your rights, you may have grounds to sue for damages. Knowing your rights can empower you in managing your debt situation effectively. Remember, they are limited in how they can communicate with others regarding your debt.

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