Who Is 4042604386 (+ How Are They Hurting My Credit Score)

Updated: June 18, 2024
Call Type: Debt Collector
Spam Risk: Very High
Fact Checked

Phone number 4042604386 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 (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

The phone number 404-260-4386 probably comes from a debt collector or spam caller, which can harm your credit score. If Portfolio Recovery Associates calls, they might have bought your outstanding debt and want to collect. Blocking or ignoring these calls might offer temporary relief, but it doesn’t solve the main issue.

If Portfolio Recovery Associates is calling, you likely owe a debt they acquired. This agency might use an intermediary to contact you and ring you up non-stop. Blocking the number gives you some peace, but it’s not a long-term fix. Tackling the calls directly is the best approach.

To get clarity, call The Credit Pros. We’ll sit down with you, no pressure, and check your entire 3-bureau credit report. We’ll confirm if it’s a debt collector and look for other negative items damaging your score. We’ve helped countless people remove potentially inaccurate negative items, boosting their credit scores and improving their financial situations. No more harassing calls – take control of your credit health now!

Who Is 4042604386: Scam Or Legitimate

The number 4042604386 is likely tied to Portfolio Recovery Associates, a debt collection agency, but it could also be a scam. You should stay cautious and avoid engaging with the caller directly.

Here's what you should do next:

• Pull your credit report to check for any inaccuracies or negative items.
• If there's debt from Portfolio Recovery Associates on your report, the call might be legitimate, but still don't respond directly.
• The Credit Pros can help you verify any debts and dispute inaccurate negative items.

Stay vigilant, don't provide personal information over the phone, and block the number to avoid further stress.

To sum up - check your credit report, verify any debts, and block the number to protect yourself from potential scams.

How Do I Stop 4042604386 From Harassing Me (How To Report Them)

If you're getting harassing calls from 4042604386, here's how you can stop them and report the harassment:

First, document each call by noting the date, time, and the caller's message. Register your number on the Do Not Call Registry at DoNotCall.gov. This should help reduce unwanted calls. Next, block the number using your phone's built-in features or contact your service provider for assistance.

For legal measures, consider getting a restraining order if the harassment involves threats. You can also send a cease and desist letter, which legally warns the harasser to stop contacting you. Templates are available at eforms.com/cease-and-desist.

You can use call blocking apps for added protection:

• For Android, try 'Call Blocker - Stop spam calls.'
• For Apple, try 'Robokiller: Spam Call Blocker.'

Report the harassing calls to authorities:

• File a complaint with the FCC at fcc.gov/complaints.
• Report violations to the FTC at ReportFraud.ftc.gov.
• Submit a complaint to CFPB at consumerfinance.gov/complaint.

Check with your phone carrier for additional call-blocking tools and look into resources from your local or state consumer protection office.

To wrap things up, document the calls, block the number, use call-blocking apps, consider legal measures, and report the harassment to authorities. Taking these steps can help you manage and report harassment effectively, protecting your peace and privacy.

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

Should I Block Or Ignore 4042604386

You should block the number 4042604386 to avoid potential harassment, especially if it's from a debt collector like Portfolio Recovery Associates. If you ignore them, you might receive continuous calls that disrupt your day. Blocking them won't hurt your credit score and will eliminate the issue at the source.

Here’s what we advise you to do:
• Block the number to avoid harassment.
• Contact a credit repair company to handle possible credit report issues.
• Understand that blocking won't negatively impact your credit score.

In the end, blocking the number and contacting a reputable credit repair company are essential steps to reduce stress and regain peace of mind.

Can A Debt Collector Like 4042604386 Sue Me

Yes, a debt collector like 4042604386 can sue you, but it's highly unlikely. They usually resort to legal action only as a last measure and for significant debts, typically over $5,000, because suing is costly and time-consuming. They have to prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging, especially for old debts that have changed hands multiple times.

Debt collectors prefer to use calls and letters to recover money. If they do sue, you'll receive a court summons and complaint. You need to respond to avoid a default judgment, which could result in wage garnishment or bank account levies. Each state has a statute of limitations for suing on old debts, potentially protecting you if the debt is past a certain age.

Remember, under the Fair Debt Collection Practices Act (FDCPA), you have rights protecting you from abusive practices. If you are sued, consider talking to an attorney to explore your options.

As a final point, while a debt collector like 4042604386 can sue you, it's rare and typically for significant debts. Ensure you respond to any legal actions and consider consulting an attorney for guidance.

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

4042604386 Might Have Your Personal Information

Don't provide any personal information to debt collectors like 4042604386. Simply put, don't even pick up their calls. Engaging with them can lead to more frequent calls and potential misuse of your information.

Instead, here are steps we advise you to take:
• Get your 3-bureau credit report.
• Build a comprehensive plan to improve your credit.
• Work with a reputable credit repair company to dispute inaccuracies and negotiate with creditors.

You should block the number to stop the calls and focus on your credit health with trusted professionals.

Bringing it all together - block the number, check your credit report, and work with professionals to secure your financial health.

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

Types Of Debt Collected By 4042604386

4042604386 collects various types of personal debt. You might find them dealing with unpaid loans, credit card bills, medical bills, utility bills, and other account balances that you have fallen behind on. They typically purchase these debts from original creditors after the debts have been charged off. This debt could stem from credit cards, medical providers, utilities, or personal loans.

If you have any questions or need assistance handling your debt, we're here to help. Remember, these types of debts can show up on your credit report and affect your credit score.

All things considered, understanding the types of debt collected by 4042604386 empowers you to take action and manage your financial health effectively. We're here to support you every step of the way.

How Do I Check If I Owe Money To 4042604386

To check if you owe money to 4042604386 (likely Portfolio Recovery Associates), start by reviewing your records. Look through any letters, emails, or statements for final bills, account statements, or equipment return receipts.

Next, check your credit report from Experian, TransUnion, or Equifax through AnnualCreditReport.com. This will list any debts, including those in collections connected to 4042604386. If a debt is listed, request debt validation from the collections agency to ensure the debt is accurate and legitimate.

Avoid contacting the number directly, as it can restart the statute of limitations on the debt. If you're facing harassment or have disputed debts, consult a consumer protection lawyer.

Lastly, gather as much documentation as you can to avoid inaccuracies, and make sure you verify all information before taking any action.

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

Which Debt Collection Laws And Regulations Protect Me From 4042604386

You are protected from debt collectors like 4042604386 by several key laws and regulations. The main federal law is the Fair Debt Collection Practices Act (FDCPA), which sets strict rules to prevent abusive, deceptive, or unfair practices by third-party debt collectors. This law covers personal debts like credit cards, auto loans, medical bills, and mortgages, but not business debts.

Under the FDCPA, debt collectors cannot:
• Contact you before 8 AM or after 9 PM.
• Call you at work if your employer prohibits it.
• Use obscene or abusive language.
• Threaten violence or criminal actions.
• Repeatedly call you with the intent to harass.
• Falsely represent themselves, like pretending to be attorneys or government officials.
• Disclose your debt to third parties.
• Demand payments larger than allowed by law.

Debt collectors also must provide a written validation notice about the debt, including the amount owed and your rights to dispute the debt. If you dispute it in writing within 30 days, they must cease collection efforts until they provide verification.

You have rights to:
• Demand that they stop all communication with you except for specific exceptions, by making the request in writing.
• Have them communicate only with your attorney if you have one.
• Sue for FDCPA violations within one year and recover damages plus attorney fees.
• Report violations to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state attorney general.

Additionally, many states have their own laws that provide further protections. For example, states like New York have stringent licensing requirements for debt collectors.

Finally, you can safeguard yourself by knowing these laws and asserting your rights, ensuring you’re treated fairly and can take control if you feel harassed or mistreated by debt collectors.

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 4042604386/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates does have multiple lawsuits against them.

In 2015, the Consumer Financial Protection Bureau (CFPB) issued an order against Portfolio Recovery Associates for deceptive and misleading practices. They were required to pay over $27 million in restitution. More recently, in 2023, the CFPB filed another complaint due to continued illegal activities. This action demands over $24 million in restitution along with a penalty.

You should also know about the numerous official complaints against them:
• Thousands of consumer complaints detail aggressive and often illegal debt collection tactics.
• They have allegedly violated multiple regulations, including the Fair Debt Collection Practices Act (FDCPA), the Consumer Financial Protection Act (CFPA), and the Fair Credit Reporting Act (FCRA).

In closing, Portfolio Recovery Associates has been involved in multiple lawsuits and received numerous complaints due to their aggressive and illegal debt collection practices. Stay informed and consider contacting legal experts if you are affected.

What Do People Online Say About 4042604386

People online have various opinions about the phone number 4042604386. Here's what you should know:

- User 'Investigator FTC DNC Spamlist' commented: 'Spam Call related to other received in Georgia.'
- User 'wrote' mentioned: 'Portfolio recovery robocaller... all ratings.'
- Another comment from 'wrote' states: 'The number +14042604386 has been assigned to Spam Call Portfolio recovery robocaller.'

The consensus is clear: calls from 4042604386 are considered spam, specifically from a debt collector. Many users identify it as a robocall linked to Portfolio Recovery Associates.

Overall, be cautious if you get a call from 4042604386; it sounds like a spam robocall from Portfolio Recovery.

Do I Really Need To Remove 4042604386 From My Credit Report

Yes, you really need to remove 4042604386 from your credit report, especially if it's inaccurate. You should first confirm whether the collection is truly on your report and verify all details. Mistakes on your credit report can significantly impact your score and future loan opportunities.

To address this, follow these steps:

- Verify the Debt: Ensure that the collection is legitimate and all details match.
- Identify Errors: Look for inaccuracies in the collection account.
- Dispute Inaccuracies: If any errors are found, start the dispute process to get them removed.

Working with a reputable credit repair company, like The Credit Pros, can save you time and energy, ensuring the best chance of removing potentially inaccurate negative items.

As a final point, it's crucial that you verify, identify errors, and dispute any inaccuracies to protect your credit score and financial future.

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

Here are other formats 4042604386 can be written

- +1 404-260-4386
- +1 (404) 260-4386
- +1 404 260 4386
- (404) 260-4386
- 404-260-4386
- 404.260.4386
- 404 260 4386
- +14042604386
- (404) 260-4386
- 404.260.4386
- 4042604386

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 Portfolio Recovery Associates 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.