Who is 6303879597 (+ how are they hurting my credit score)

If you're getting calls from 630-387-9597, it's linked to Nationwide Credit Corporation (NCC). This could be a legitimate debt collector or a scammer. Even if NCC is legitimate, you shouldn’t engage with the caller directly, especially if you're unsure about the debt. Here's what we advise you to do:

1. Do not pay immediately. Verify the debt first.
2. Analyze your credit report. Check for inaccurate or negative items.
3. Block the number. Don't let these calls stress you out.

We can help you with a free 3-bureau credit report evaluation. Our team at The Credit Pros has helped many people in similar situations to dispute inaccuracies and improve their credit score. If there's a brand noted as a collection/negative item on your report, it might be a legitimate call, but it's better to verify before responding.

To sum up - verify the debt, check your credit report for inaccuracies, and block the number to avoid stress. Our team at The Credit Pros is here to help you navigate this situation and improve your credit score.

To stop 6303879597 from harassing you and report them, follow these steps:

1. Document Unwanted Interactions: Keep a detailed log with dates, times, and any abusive language used.
2. Register with the Do Not Call Registry: Go to DoNotCall.gov and register your number. It takes about 2 minutes.
3. Block the Number: Use your phone's call-blocking feature or contact your service provider for assistance. You can also use apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

You should also take additional steps to report the harassment:

• Report to the FCC: File a complaint for illegal robocalls or unwanted calls at fcc.gov/complaints. Fill out the phone form, specify 'unwanted calls,' and provide details such as the number, date, and time of the call.
• Report to the FTC: For telemarketing calls or disregard of the Do Not Call Registry, use ReportFraud.ftc.gov. For general unwanted calls, go to DoNotCall.gov.
• File a Police Report: Use online police reporting systems available in your area (like the City of Paso Robles Online Police Reporting System) and note the report number. Contact your phone service provider with this report number.

If the harassment continues, consider sending a cease and desist letter, getting a restraining order, or hiring a harassment lawyer. You can also report to the CFPB by submitting a complaint at consumerfinance.gov/complaint or calling (855) 411-2372 for assistance.

To wrap things up, document every interaction, block the number, and report the harassment to relevant authorities. This will help you stop 6303879597 from harassing you effectively.

You should block the number 6303879597. Here’s why:

- No Consequences: Blocking or ignoring this number won't have serious consequences, provided it's not a legitimate communication source.
- Debt Collector: This number likely belongs to Nationwide Credit Corporation (NCC), a debt collector. If they're harassing you, blocking them is a smart move.
- Credit Score: Your credit score won't drop just because you block or ignore them. Blocking them won't harm your score further if a collection is already on your credit report.
- Professional Help: You should work with a reputable credit repair company to handle any inaccuracies or disputes on your credit report. This proactive approach ensures your credit health is professionally monitored.

In the end, you should block 6303879597 to avoid harassment and protect your credit. Let a credit repair company assist you with any further credit report issues.

Yes, a debt collector like 6303879597 can sue you, although they typically reserve this as a last resort and are more likely to sue for debts over $5,000. First, they need to prove you owe the debt, the amount is correct, and that they have the legal right to sue. Suing is costly and time-consuming, so many collectors prefer to settle out of court.

Debt collectors must adhere to your state's statute of limitations, limiting their ability to sue for older debts. Usually, they will try phone calls and letters before considering a lawsuit. If you are sued, you will receive a court summons which you must respond to; ignoring it could result in a default judgment, leading to wage garnishment or bank levies, though this is rare.

Remember, you have rights under the Fair Debt Collection Practices Act, protecting you from abusive or deceptive practices. If you do face a lawsuit, consult an attorney to understand your options.

As a final point, understand your rights, respond promptly to any court summons, and consider consulting an attorney to navigate the process effectively.

If you got a call from 6303879597, they might have your personal information. Here’s what you should do:

First, don’t give out any information. Protect your privacy by keeping your personal details to yourself. If you don’t recognize the number, it’s safer not to answer the call. Engaging might lead to more frequent and pressuring calls.

Next, check your credit report. Get your 3-bureau report from Equifax, Experian, and TransUnion to see if there are any debts listed under your name. This helps you spot inaccuracies.

You should then plan to improve your credit. This means paying off debts, disputing errors, and ensuring your credit report is accurate. Consider working with a reputable credit repair company. They can help address inaccuracies and negotiate with creditors, making the process smoother for you.

Block the number to prevent further calls. Focus on these steps to protect and improve your credit health.

Bringing it all together – ignore unknown calls, check your credit report, seek professional help if needed, and block suspicious numbers to safeguard your information and improve your credit.

Nationwide Credit Corporation (NCC) collects various types of debts. They handle overdue credit card accounts, personal loans, medical bills, and unpaid utility bills. They can either work directly for the original creditor or buy delinquent debts and attempt to recover the amount owed.

You will find that NCC collects several types of debts:

• Credit Card Debt: Overdue balances on credit cards.
• Medical Bills: Unpaid medical expenses.
• Personal Loans: Missed payments on personal loans.
• Utility Bills: Overdue utility payments, such as electricity and water bills.

They manage the collection process to recover these debts, aiming to settle the outstanding balances. They may negotiate payment plans or settlements to facilitate recovery.

All things considered, NCC handles various debts including credit card balances, medical bills, personal loans, and utility payments, working towards recovering the amounts owed through negotiation and settlement.

To check if you owe money to 6303879597, here's what you should do:

First, review your records. Look through past bills, final statements, and equipment return receipts. Check for any correspondence from Nationwide Credit Corporation (NCC).

Next, check your credit report. You can get free copies from Experian, TransUnion, and Equifax through AnnualCreditReport.com. Look under “collections” or “account information” for any debts associated with NCC.

If you find a debt from 6303879597 on your credit report, request debt validation from NCC. They must provide proof that you owe the debt.

You should also verify the legitimacy of any collection letters by searching for the collection agency online and contacting them directly.

If you're facing harassment or disputes, consult a consumer protection lawyer. They can protect your rights and provide legal advice.

Finally, if you find any errors or unrecognized debts on your credit report, dispute them with the credit bureaus.

Lastly, be proactive: review your records, check your credit report, request debt validation, verify legitimacy, consult a lawyer if necessary, and dispute inaccuracies to manage your debts effectively.

You are protected by several laws and regulations from unfair debt collection practices. The main federal law is the Fair Debt Collection Practices Act (FDCPA). This law stops third-party debt collectors, like Nationwide Credit Corporation (NCC), from using abusive, deceptive, or unfair tactics. It covers personal debts like credit cards, auto loans, medical bills, and mortgages.

Under the FDCPA, debt collectors cannot:
• Contact you before 8 AM or after 9 PM.
• Call you at work if your employer does not allow such calls.
• Use abusive language or make threats.
• Harass you with repetitive calls.
• Pretend to be attorneys or government officials.
• Tell others about your debt.
• Demand more money than you owe.

Debt collectors must also follow these rules:
• Provide a written validation notice about the debt, including the amount owed and the creditor's name.
• Stop collection efforts until they verify the debt if you dispute it in writing within 30 days.
• Inform you that their communication is an attempt to collect a debt.

You have the right to:
• Tell a debt collector to stop contacting you in writing.
• Have the collector contact your attorney if you have one.
• Sue for FDCPA violations within one year and gain damages, plus attorney fees and costs.
• Report violations to the FTC, CFPB, and your state attorney general.

Finally, you should check your state's regulations, as they might offer additional protections and help ensure you know your rights.

Yes, Nationwide Credit Corporation (NCC) has had lawsuits and complaints against them.

Lawsuits include:
• Enrique Marcano v. Nationwide Credit and Collection, Inc.: Enrique Marcano brought this lawsuit under the Fair Debt Collection Practices Act (FDCPA) in the United States District Court, Northern District of Illinois (10-04-2021). Marcano claimed NCC violated FDCPA regulations.

Complaints recorded:
• Better Business Bureau (BBB): NCC has received several complaints through the BBB about its debt collection practices. Issues often relate to misrepresentation and failure to provide proof of debt.
• Consumer Financial Protection Bureau (CFPB): Complaints against NCC for allegedly violating consumer rights, including posing as a government entity, have been logged.

In closing, NCC has faced legal and consumer complaints for its debt collection practices, including allegations of FDCPA violations and misrepresentation.

People online have voiced various opinions about the phone number 630-387-9597.

One Reddit user, CallumFox123, said, 'This number keeps calling me, pretty sure it's a scam. Blocked it immediately.' Another user, SarahJayne78, mentioned, 'Got a call from 630-387-9597. They left a voicemail about a debt I don't owe. Total spam.' TechyGuru commented, 'I've been getting multiple calls from this number. Super annoying, definitely a robocall.'

You can see that the general sentiment is negative. Users report frequent unsolicited calls, describing them as spam or scams. Many express frustration and have resorted to blocking the number for peace of mind.

Overall, people online say that 630-387-9597 is a nuisance. They stress it's mostly spam or scam calls, and blocking this number seems to be the most effective way to regain your peace.

Yes, you should remove 6303879597 from your credit report if you suspect it is inaccurate. First, confirm that this collection is indeed on your credit report. Then, identify any potential inaccuracies.

Avoid hiring typical credit repair companies because many are poorly rated and ineffective. Disputing this on your own can be time-consuming, so reaching out to a reputable company like The Credit Pros may save you time and effort.

• Confirm the collection is on your credit report.
• Identify any potential inaccuracies.
• Avoid typical credit repair companies.
• Consider reputable help like The Credit Pros.

As a final point, you need to confirm the collection, spot inaccuracies, avoid typical repair services, and consider reaching out to trusted companies like The Credit Pros. We can help you save time and properly address this issue.

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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.

• 7039414785
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• 7039412421
• 5714581212
• 7039411921
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