Home / Who Is 2034559603 (+ How Are They Hurting My Credit Score)

Who Is 2034559603 (+ How Are They Hurting My Credit Score)

  • Phone number 2034559603 is likely a debt collector called:' Portfolio Recovery Associates'.
  • Your credit score likely dropped because this is potentially a debt collection on your report.
  • Call 1(888)-488-5855 and learn how we can help you potentially improve your score.
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Main phone number related with this page is: 8664300311

Portfolio Recovery Associates likely owns the number 203-455-9603. They are a debt collection agency that could impact your credit score negatively. This number might also be a scam trying to deceive you. If it’s a genuine debt collector, they probably bought an old debt of yours and now want to collect it. Simply ignoring or blocking the calls won't stop the harassment permanently.

If 203-455-9603 keeps bugging you, it’s time to take action. Call The Credit Pros using the number above for a no-pressure chat. We’ll review your full 3-bureau credit report to confirm if it’s really a debt collector and check for other negative items dragging your score down. Blocking the number stops the calls, but it won’t fix any issues on your credit report.

We have helped many people, just like you, remove potentially inaccurate items from their credit reports. This often leads to a credit score boost and a better financial outlook. Don’t let these calls stress you out. Let’s tackle the problem head-on and improve your situation. Give us a call today and put the harassment behind you!

Who Is 2034559603: Scam Or Legitimate

The phone number 203-455-9603 is linked to Portfolio Recovery Associates, a debt collection agency. However, it could also be a scam. You should not engage directly with the caller. Do not pay the debt immediately if you have doubts.

Instead, we advise you to:
• Pull your credit report and review it for any errors or negative items.
• Verify the debt before making any payments.
• Contact us for a free 3-bureau credit report evaluation.

To sum up – whether the call is legitimate or a scam, your next steps are the same: check your credit report, verify any debts, and address any inaccuracies accordingly.

How Do I Stop 2034559603 From Harassing Me (How To Report Them)

To stop 2034559603 from harassing you, follow these steps:

First, you should document every unwanted interaction. Keep a log of each call with dates, times, and any abusive language used. Next, register your number with the Do Not Call Registry and block the number on your phone or contact your service provider for assistance in blocking it.

If harassment continues, you might need to take escalating measures. Consider obtaining a restraining order, hiring a harassment lawyer, or sending a cease and desist letter using a template.

You can also use call-blocking apps to stop unwanted calls. For Android, try 'Call Blocker - Stop spam calls,' and for Apple, use 'Robokiller: Spam Call Blocker.'

To report the harassment, file a complaint with the Federal Communications Commission (FCC) on their website, specifying the issue as 'unwanted calls.' The Federal Trade Commission (FTC) also handles telemarketing complaints at ReportFraud.ftc.gov and general unwanted calls via DoNotCall.gov.

You can submit a complaint to the Consumer Financial Protection Bureau (CFPB) online at consumerfinance.gov/complaint or call (855) 411-2372. If you use Nomorobo, report unwanted robocalls to them directly.

Lastly, check with your phone carrier for any available call-blocking tools and contact your local or state consumer protection office for additional resources.

To wrap things up, document your interactions, use call-blocking tools, report to the appropriate authorities, and consider further legal action if needed to effectively stop and report harassment from 2034559603.

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 2034559603

You should block 2034559603. If they're a debt collector harassing you, blocking them is a smart move. Ignoring won't stop the calls or messages.

Blocking doesn't hurt your credit score. Your score won't drop just because you block them. If this number is already on your credit report, it can't worsen your score any further.

Consider working with a reputable credit repair company. They can help remove inaccurate negative items from your credit report. Blocking the number and seeking expert help is a proactive way to manage your credit health and reduce stress.

Ignoring the number means you'll still get their calls and messages, but you won't be notified. This could be less disruptive, but it’s not a solution if they’re persistent.

In the end, blocking the number gives you peace of mind. Using credit repair services provides support. You're not alone, and taking these steps can help you manage the situation effectively.

Can A Debt Collector Like 2034559603 Sue Me

Yes, a debt collector like 2034559603 can sue you, but it is typically a last resort. They usually sue only for substantial debts, often over $5,000, as suing is expensive and time-consuming. The collector must prove you owe the debt, that the amount is correct, and that they have the legal right to sue.

Debt collectors prefer to settle out of court and often use calls and letters first. If a lawsuit occurs, you will receive a court summons and complaint. You must respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies.

• Be aware of the statutes of limitations in your state, as old debts may not be eligible for lawsuits.
• Understand that the Fair Debt Collection Practices Act (FDCPA) protects you against abusive practices.
• Consult an attorney if you do receive a lawsuit to explore your options and defenses.

As a final point, remember that while a debt collector like 2034559603 can sue you, it is unlikely unless the debt is substantial. Knowing your rights under the FDCPA and seeking legal advice can help you navigate this situation effectively.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

2034559603 Might Have Your Personal Information

2034559603 might have your personal information because it is linked to Portfolio Recovery Associates, a debt collector.

Here's what we advise you to do:
• Do not provide any information to debt collectors. Even better, avoid picking up their calls.
• Get your 3-bureau credit report and start building a plan to improve your credit.
• Work with a reputable credit repair company to handle inaccuracies and disputes on your credit report.

Bringing it all together - blocking these calls and taking proactive steps can help you manage your financial health better.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 2034559603

2034559603 collects various types of debt that you might owe, including credit card debt, personal loans, medical bills, and utility bills. They often purchase this debt from original creditors like banks, hospitals, and service providers. So, if you owe money on these types of accounts, you might hear from them.

If you find yourself contacted by 2034559603, don't panic. You should:

• Verify the debt they are referring to
• Request written proof of the debt
• Keep records of all communications

All things considered, if 2034559603 reaches out to you about a debt, understanding what types of debt they collect can help you manage the situation effectively.

How Do I Check If I Owe Money To 2034559603

To check if you owe money to 2034559603, which is likely associated with Portfolio Recovery Associates, follow these steps:

First, review your records. Go through your finalized bills, account statements, and any equipment return receipts to verify if there was an unpaid balance or unresolved account. Next, pull your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) to see if any debts from Portfolio Recovery Associates are listed.

If the debt appears on your credit report, request a debt validation from Portfolio Recovery Associates to ensure the debt is accurate and valid. Be cautious about contacting the debt collector directly, as this might restart the statute of limitations on the debt. If you're being harassed or unsure about a debt, consult a consumer protection lawyer for guidance.

Lastly, gather all your documentation before reaching out to any collectors. This will help you avoid issues with inaccurate collection efforts affecting your credit.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 2034559603

You’re protected under several laws when Portfolio Recovery Associates or any debt collector is contacting you.

Several federal laws offer protection. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices, restricts contact times and locations, bans abusive language, threats, and illegal payment demands, and requires a validation notice detailing the debt. The Fair Credit Reporting Act (FCRA) ensures accurate reporting of debts on credit reports and allows you to dispute inaccuracies.

State laws provide extra protections. For example, New York has strict licensing for debt collectors. You should contact your state attorney general's office for specific state laws relevant to you.

To assert your rights, you can:
• Stop communication by writing to the collector demanding they stop contacting you.
• Dispute the debt in writing within 30 days to halt collection until they verify the debt.
• Ensure that if you have an attorney, the collector communicates only with them.
• File complaints with the FTC, CFPB, or your state attorney general for any violations.

Finally, you have several protective laws, such as the FDCPA and FCRA, and you can take steps like disputing the debt or writing to stop communication to safeguard your rights.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 2034559603/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates has several lawsuits and official complaints against them.

You should know about some key lawsuits:

• Consumer Financial Protection Bureau (CFPB) Actions (2015): Portfolio Recovery Associates was ordered to pay more than $27 million for deceptive debt collection practices. This included collecting on unsubstantiated debts and misrepresenting their legal ability to collect time-barred debts.

• CFPB Actions (2023): On March 23, 2023, the CFPB filed a complaint resulting in Portfolio Recovery Associates being ordered to pay over $24 million for continued illegal debt collection practices, including failing to provide required documentation and improperly suing consumers.

They also face several official complaints:

• Violation of CFPB Orders: They collected on unsubstantiated debts and initiated lawsuits without the required documentation despite the 2015 order.

• Debt Collection Practices: They failed to properly investigate and resolve consumer disputes, collecting millions unlawfully.

• Fair Credit Reporting Act Violations: They did not timely resolve disputes, respond to frivolous disputes appropriately, or maintain accurate consumer information policies.

In closing, Portfolio Recovery Associates has faced multiple significant lawsuits and complaints for deceptive and illegal debt collection practices over the years. It’s important to stay informed about these issues if you’re dealing with them.

What Do People Online Say About 2034559603

Here's what people online are saying about 2034559603. User “Revoloko42” on Reddit shared, “Three times now within the past week I've been called by people claiming they're returning my call. I presume some scammers are spoofing my number or something of the like.” This feedback suggests the number might be involved in spoofing activities. Another user said, “Nothing to do about it, it seems. As others have said, nefarious for sure but more of a minor inconvenience than anything.”

To address this, you could consider these steps:
• Be cautious about answering unknown calls.
• Inform your contacts about the spoofing issue involving your number.
• Contact your phone provider for possible solutions like getting a new SIM card.

Overall, users indicate that 2034559603 is likely linked to spoofing activities, causing more of a nuisance than harm.

Do I Really Need To Remove 2034559603 From My Credit Report

Yes, you really need to remove 2034559603 from your credit report if it is potentially inaccurate. Start by checking your credit report for this number to ensure it's an error. Handling disputes on your own can be very time-consuming. Instead, you might want to avoid typical credit repair companies, as many have poor ratings.

Consider reaching out to a reputable firm, like The Credit Pros, for assistance. They can effectively handle the removal of potentially inaccurate negative items, saving you time and reducing stress.

As a final point, remember that tackling inaccuracies on your credit report is crucial, and working with a trusted company can make the process much easier and effective.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

Here are other formats 2034559603 can be written

- +1 203-455-9603
- +1 (203) 455-9603
- +1 203 455 9603
- (203) 455-9603
- 203-455-9603
- 203.455.9603
- 203 455 9603
- +12034559603
- (203) 455-9603
- 203.455.9603
- 2034559603

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

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