Home / Who Is 3859887200 (+ How Are They Hurting My Credit Score)

Who Is 3859887200 (+ How Are They Hurting My Credit Score)

  • Phone number 3859887200 is likely a debt collector called:' Navient'.
  • 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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Navient or a debt collection agency might own the number 385-988-7200. These persistent calls aim to collect outstanding debts and can harm your credit score if you ignore them. Blocking or ignoring won't solve the problem.

Debt collectors like 385-988-7200 usually buy unpaid debts and call you relentlessly to recover their money. Ignoring them might offer temporary relief, but it won't eliminate the debt or prevent your credit score from dropping. The best approach is to tackle the issue by checking your credit report and confirming if the debt is valid.

Call The Credit Pros. We'll help you review your credit report from all three bureaus, identify if 385-988-7200 is from Navient or another collector, and work on removing inaccurate items. We've helped many people improve their credit scores and financial situations, putting an end to those annoying calls for good.

Who Is 3859887200: Scam Or Legitimate

The number 385-988-7200 is associated with a debt collection agency, possibly Navient. It could also be a scam, so it's important that you don't engage with the caller.

If you're unsure, don't feel pressured to make any payments immediately. Instead, check your credit report for any inaccuracies that might be affecting your score.

Here’s what we advise you to do:
• Pull your credit report and analyze it for any errors.
• Block the number to avoid further stress.
• Contact The Credit Pros for help in verifying debt and disputing negative items.

To sum up - It's crucial that you protect your financial situation by checking your credit report, blocking suspicious numbers, and seeking professional help if needed.

How Do I Stop 3859887200 From Harassing Me (How To Report Them)

To stop 385-988-7200 from harassing you and report them, follow these steps:

First, document every unwanted interaction. Keep a detailed log with dates, times, and any abusive language used. Next, register your number at DoNotCall.gov. You should also block the number through your phone's call-blocking feature or contact your service provider for help.

If calls persist or threats escalate, you can take further measures:
- Consider a restraining order to legally prevent them from contacting you.
- Hire a harassment lawyer for assistance as harassment is against specific Federal and State laws.
- Use a cease and desist letter template at eforms.com/cease-and-desist.

For additional protection, use call-blocking apps:
- For Android: 'Call Blocker - Stop spam calls.'
- For Apple: 'Robokiller: Spam Call Blocker.'

You can also file a complaint with the Federal Communications Commission (FCC) if it's an illegal robocall or your number is being spoofed. Visit fcc.gov/complaints and select 'unwanted calls.' Provide details like the number, date, and time.

To report telemarketing calls or a disregard of the Do Not Call Registry, reach out to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or use the reporting form at DoNotCall.gov.

You can also gather information and submit a complaint with the CFPB:
- Online: Visit consumerfinance.gov/complaint.
- Phone: Call (855) 411-2372.
- Mail: Send a letter to CFPB at 1700 G Street, NW, Washington, DC 20552.

Lastly, contact your phone carrier about call-blocking tools and options. You should also check for additional resources or complaint mechanisms through your local or state consumer protection offices.

To wrap things up, document any harassment and use these steps to block the number, file complaints with relevant agencies, and seek legal help if necessary. This approach ensures you take action against 385-988-7200 and stop the harassment.

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

Should I Block Or Ignore 3859887200

You should block 3859887200. There are no consequences for blocking or ignoring calls from this number, and your score won’t drop just by blocking them. If they are a debt collector harassing you, blocking the number is a smart move.

Here’s what we advise you to do:
- Block the Number: Use your phone’s settings or a third-party app to block unwanted calls.
- Work with a Credit Repair Company: Contact a reputable credit repair company to handle any inaccuracies on your credit report.
- Stay Informed: Keep an eye on your voicemail for any critical messages that might slip through.

Blocking these calls will reduce stress and help you focus on resolving any underlying issues.

In the end, blocking 3859887200 helps reduce stress and lets you focus on fixing any credit issues without affecting your credit score.

Can A Debt Collector Like 3859887200 Sue Me

Yes, a debt collector like 3859887200 can sue you, though it's uncommon. Lawsuits are typically a last resort for debt collectors because of the effort and expense involved. They usually prefer to contact you through calls and letters. To sue, collectors must prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging if the debt has changed hands multiple times.

You should be aware that each state has a statute of limitations that prevents lawsuits after a certain period. If a debt collector does decide to sue, you will receive a court summons. Always respond to avoid a default judgment, which could lead to wage garnishment or bank levies.

To protect yourself, remember that the Fair Debt Collection Practices Act (FDCPA) safeguards you against abusive practices. If you find yourself facing a lawsuit, consult an attorney for the best course of action.

As a final point, remember that while a debt collector like 3859887200 can technically sue you, it's unlikely. If you get sued, respond to the court summons and consult an attorney. The FDCPA protects you against unfair practices, so know your rights and take appropriate action.

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

3859887200 Might Have Your Personal Information

If you’ve received a call from 3859887200, it's likely a debt collector trying to get your personal info. Here’s what you should do:

First, don't provide any information. You should keep your personal details private. Instead, let the calls go to voicemail. Debt collectors can often use tactics that confuse or pressure you.

Next, check your credit report from all three major bureaus: Experian, TransUnion, and Equifax. This allows you to understand your financial status and spot any inaccuracies.

Additionally, build a plan to improve your credit. Identify areas where you can manage your debts better. Consider enlisting a reputable credit repair company to provide expert guidance, dispute inaccuracies, and help you rebuild your credit effectively.

Bringing it all together - by letting these calls go to voicemail, checking your credit reports, and working with a reputable credit repair company, you protect your personal information and make informed decisions about your financial health.

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

Types Of Debt Collected By 3859887200

3859887200 deals with collecting various types of debt. You’ll find them mainly handling student loans, credit card debt, and personal loans. They typically purchase these debts from creditors and seek to recover the owed amounts.

When contacted by debt collectors, you should verify all details to avoid mistakes. They are required to give you information about the name of the creditor, the amount owed, and how you can dispute the debt if it’s incorrect.

All things considered, it’s essential for you to confirm all debt details and understand your rights. This ensures you handle the situation confidently and accurately.

How Do I Check If I Owe Money To 3859887200

To check if you owe money to 3859887200:

First, review your records. Go through your final bills, account statements, and equipment return receipts. This way, you can verify if you have any unresolved debts.

Next, check your credit reports. Get your reports from Experian, Equifax, and TransUnion. Look for collections listed and compare them with your records.

Request debt validation if the debt appears on your credit report or if a debt collector contacts you. This ensures the debt is accurate and actually yours.

Consider consulting legal aid if you are being harassed over disputed debts. A consumer protection lawyer can help.

Avoid direct engagement with debt collectors unless you confirm the debt. This prevents restarting the statute of limitations.

Lastly, follow these steps to determine if you owe money and avoid potential scams or inaccuracies on your credit report. If you feel overwhelmed, consider using reputable services to help manage and dispute these debts.

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

Which Debt Collection Laws And Regulations Protect Me From 3859887200

If you're getting calls from 3859887200, you’re protected by several debt collection laws and regulations.

Firstly, the Fair Debt Collection Practices Act (FDCPA) safeguards you against abusive, deceptive, or unfair practices by third-party debt collectors. It covers personal debts like credit cards, auto loans, medical bills, and mortgages. Under FDCPA:

- Debt collectors can't contact you before 8 AM or after 9 PM, or at work if it's prohibited.
- They can't use obscene language, make threats, or harass you with repeated calls.
- They must identify themselves and provide a written validation notice about the debt.
- If you dispute the debt in writing within 30 days, they must stop collection until verification.
- You can request them to stop contacting you in writing, and they must comply except to inform you of certain actions.

Additionally, some states, like New York, have laws with further protections, such as licensing requirements for debt collectors. Verifying the debt before making any payments is crucial to avoid scams.

You have the right to sue for FDCPA violations and recover damages and attorney fees. Reporting violations to the FTC, CFPB, or your state attorney general is also an option.

Finally, remember these protections, verify any debt claims, and don't hesitate to report violations to ensure your rights are upheld.

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 3859887200/3859887200 Have Any Lawsuits Against Them

No lawsuits have been found for 3859887200. However, consumers have filed official complaints about debt collection practices linked to this number. You might experience aggressive and misleading tactics, leading to confusion and stress. Some consumers even mentioned unauthorized attempts to collect debts, which is very concerning.

To handle these issues, consider reporting these calls to the FTC. You should also block the number to stop further disturbances. Working with us, The Credit Pros, can offer you vital assistance and protection of your rights.

In closing, you should report problematic calls to the FTC, block the number, and consider professional help to safeguard your interests and peace of mind.

What Do People Online Say About 3859887200

Here's what people online are saying about the phone number 385-988-7200:

If you’ve received calls from 385-988-7200, you’re not alone. Many people report these calls are connected to debt collection, particularly from Navient.

Reddit users have shared their experiences:
- SnooDoodles123 mentions, 'Got a call from 385-988-7200. Seems like it's related to some debt collection agency.'
- DebtFreeSoon adds, 'Yeah, they called me too. Keeps asking about an old Navient loan.'
- FrustratedBorrower notes, 'It's annoying! Calls almost every day but leaves no detailed messages.'
- NavientSucks confirms, 'Me too. It's definitely connected to Navient. They won't stop calling.'

General feedback online highlights these points:
- You may receive multiple calls daily.
- Often, no voicemail messages are left.
- Calls are linked to debt collection, especially from Navient.

Overall, online feedback suggests that 385-988-7200 is associated with frequent and persistent debt collection calls related to Navient loans, causing frustration due to the high call frequency and lack of detailed voicemails.

Do I Really Need To Remove 3859887200 From My Credit Report

Yes, you should consider removing 3859887200 from your credit report, especially if it’s potentially inaccurate. Doing so can improve your credit score and help you avoid issues with loans, deposits, and insurance premiums.

First, confirm the collection. Make sure this account is indeed on your credit report and that it may be inaccurate. If you determine it should be removed, several actions can help:

• Avoid typical credit repair companies, as most are poorly rated and ineffective.
• Save time and effort by considering a reputable company like 'The Credit Pros.'
• If you choose to handle it yourself, be prepared for the time and energy it demands. Alternatively, a reliable credit repair company can manage it more efficiently.

As a final point, removing inaccurate collections like 3859887200 can make a significant positive impact on your credit score. Address inaccuracies, and consider professional help if needed.

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

Here are other formats 3859887200 can be written

- +1 385-988-7200
- +1 (385) 988-7200
- +1 385 988 7200
- (385) 988-7200
- 385-988-7200
- 385.988.7200
- 385 988 7200
- +13859887200
- (385) 988-7200
- 385.988.7200
- 3859887200

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

List of every other phone number that Navient uses:

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

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