Who is 7025085256 (+ how are they hurting my credit score)

Updated: July 10, 2024
Call Type: Debt Collector
Spam Risk: Very High
Fact Checked

Phone number 7025085256 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

Seeing 7025085256 on your caller ID likely means Portfolio Recovery Associates, a debt collector, or a spam call. This number could be chasing an old or inaccurate debt, and it might bombarding you with calls. Blocking it can stop the immediate annoyance but won't fix the core issue.

Debt collectors buy outstanding debts and pursue payments aggressively. Ignoring these calls won't solve anything. The longer you wait, the more it could damage your credit score. Instead, contact The Credit Pros. We'll review your entire 3-bureau credit report and determine if this is a legitimate debt collector or just another spam call.

We've helped countless people like you by removing inaccurate negative items from their credit reports. This often boosts their credit scores and overall financial health, and it stops those annoying calls for good. Don’t let 7025085256 ruin your peace; reach out today and let's tackle this together.

Who Is 7025085256: Scam Or Legitimate

The phone number 702-508-5256 is associated with a debt collection agency called Portfolio Recovery Associates, but it could also be a scam. To protect your financial safety, do not engage with the caller. Avoid feeling pressured to pay immediately, especially if you are unsure about the debt.

Here's what we advise you to do next:

1. Pull Your Credit Report: Check reports from all three bureaus for any inaccuracies or negative items linked to this call.
2. Verify the Debt: If you spot Portfolio Recovery Associates on your credit report, the call might be legitimate. However, you shouldn't respond directly just yet.
3. Seek Professional Help: Contact us at The Credit Pros for a free credit report evaluation. We can help verify the debt, dispute inaccuracies, and work on improving your financial situation.

To sum up, whether the call from 702-508-5256 is legitimate or a scam, you should check your credit report and contact us for professional advice on handling the situation.

How Do I Stop 7025085256 From Harassing Me (How To Report Them)

To stop 7025085256 from harassing you, start by documenting all unwanted calls with dates, times, and any language used. Register your number with the Do Not Call Registry at DoNotCall.gov and use your phone’s call-blocking feature or contact your service provider for assistance.

Follow these escalating measures if needed:

• Consider a restraining order if calls persist or threats escalate.
• Hire a harassment lawyer to guide you through the legal process.
• Send a cease and desist letter using the template at eforms.com/cease-and-desist.

You can also use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for iPhone.

If the call was an illegal robocall or your number is being spoofed, file a complaint with the Federal Communications Commission (FCC) at fcc.gov/complaints. For telemarketing calls or disregard of the Do Not Call Registry, report to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

Finally, submit a complaint to the Consumer Financial Protection Bureau (CFPB) online at consumerfinance.gov/complaint, call (855) 411-2372, or mail a detailed letter to the CFPB at 1700 G Street, NW, Washington, DC 20552.

To wrap things up, you can stop the harassment from 7025085256 by documenting calls, registering with the Do Not Call Registry, using call-blocking apps, and reporting to the FCC, FTC, and CFPB.

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

Should I Block Or Ignore 7025085256

You should block 7025085256. If you ignore the calls, you might continue receiving them. Blocking the number is especially wise if it's a debt collector and you feel harassed. Blocking won't affect your credit score. If the number is already on your credit report, its impact won't change. To address any credit issues related to this call, you can work with a reputable credit repair company. They help remove inaccurate items and improve your overall credit. Blocking the number will reduce stress and interruptions, allowing you to focus on resolving any credit issues through professional help.

• Blocking reduces harassment.
• Your credit score won’t drop just because you block the number.
• A credit repair company can help fix any inaccuracies on your report.

In the end, you should block 7025085256 to reduce stress and interruptions, while addressing any credit issues with professional help.

Can A Debt Collector Like 7025085256 Sue Me

Yes, a debt collector like 7025085256 can sue you, but it's rare. They usually take legal action only as a last resort for amounts over $5,000. To sue, they must prove the debt is yours, the amount is correct, and they have the right to sue, which can be challenging for them. Suing is expensive and time-consuming, so most prefer settling out of court. Note that each state has a statute of limitations, limiting the timeframe they can sue; old debts may already be beyond this period.

Typically, debt collectors use calls and letters to collect debts. If they decide to sue, you'll receive a court summons. Respond within the deadline to avoid default judgments, which could result in wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive practices.

As a final point, remember that while it's uncommon, a debt collector like 7025085256 can sue you. Be proactive-respond to summonses, know your rights under the FDCPA, and consider consulting an attorney to explore your options and defenses.

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

7025085256 Might Have Your Personal Information

If you receive calls from 7025085256, it's best that you don't provide any personal information. We advise you not to even answer the call. These calls are likely from debt collectors or scammers, and engaging with them can make things worse.

Instead, you should obtain your 3-bureau credit report. This helps you see if there are any inaccuracies or issues. Working with a reputable credit repair company can help you address disputes and inaccuracies efficiently. They know the best ways to handle these issues, making the process easier for you.

Remember, your goal is to protect your information and improve your credit systematically. Block the number, review your credit reports, and seek professional help if needed.

Bringing it all together - block 7025085256, check your credit reports, and consult a reputable credit repair company for accurate and systematic improvement of your credit.

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

Types Of Debt Collected By 7025085256

7025085256 typically collects various types of consumer debt. You might owe personal credit card debt, medical debt, or unpaid loan balances. They do not specialize in commercial debt, which is collected from businesses. Their main focus is on individual consumers who owe money to various creditors.

They purchase debts from these creditors and then work to collect the outstanding balances from you, the debtor. Rest assured, they use compliant and ethical collection practices.

All things considered, 7025085256 deals primarily with personal credit card debt, medical debt, and unpaid loans. Your understanding of their focus can help you navigate any interactions with them more effectively.

How Do I Check If I Owe Money To 7025085256

To check if you owe money to 7025085256, follow these steps:

First, gather your records. Go through your final bills, account statements, and equipment return receipts for any related debts.

Next, review your credit report. See if any debts are listed under Portfolio Recovery Associates, as this can indicate if they claim you owe money.

Then, request debt validation. If the debt appears on your credit report, ask the collections agency for proof that you owe the money and for details about the debt.

Avoid direct contact. Don’t reach out to them directly because it might reset the statute of limitations on the debt.

Lastly, consult a lawyer. If you feel harassed or dispute the debt, consider talking to a consumer protection lawyer for advice.

Lastly, taking these steps helps you gather necessary documentation, review your credit report, and seek professional advice, ensuring you manage the situation effectively and avoid incorrect debt collection issues.

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

Which Debt Collection Laws And Regulations Protect Me From 7025085256

You are protected by several key debt collection laws and regulations from debt collection practices, including those related to the number 7025085256.

The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, deceptive, or unfair debt collection practices. It covers personal, family, and household debts. Debt collectors must not contact you before 8 AM or after 9 PM, use obscene language, make threats, or harass you. Your rights include requesting validation of the debt and disputing incorrect information.

The Fair Credit Reporting Act (FCRA) regulates how your debts are reported on credit reports. You can dispute inaccurate information on your credit report.

States have their own laws offering additional protections. Check with your state attorney general for specifics.

Debt collectors must:
- Not contact you at work if your employer forbids it.
- Not falsely represent themselves as attorneys or government entities.
- Not disclose your debt to third parties.

You have the right to a validation notice, which details the debt, including the amount owed and creditor information. If you dispute the debt in writing within 30 days, collection must stop until verification is provided. You can also request that the collector stops contacting you. If necessary, you can sue for FDCPA violations and report issues to the FTC, CFPB, and state authorities.

Finally, remember these laws protect you and ensure fair treatment. You can dispute inaccuracies and stop communication to handle debt collection issues effectively.

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 7025085256/Portfolio Recovery Associates Have Any Lawsuits Against Them

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

Lawsuits:
1. CFPB 2015 Order Violation:
- In 2015, you should know that the Consumer Financial Protection Bureau (CFPB) ordered Portfolio Recovery Associates to pay over $27 million in consumer refunds and penalties for deceptive debt collection tactics.
- Despite this, the company continued these practices, leading to a proposed 2023 order for an additional $12 million to harmed consumers and another $12 million penalty for the CFPB’s victims relief fund. They collected unsubstantiated debt, failed to provide required documentation, and sued over time-barred debt.

Official Complaints:
1. Extensive Collection Lawsuits:
- You might encounter that Portfolio Recovery Associates files thousands of collection lawsuits annually using aggressive tactics.
2. Illegal Debt Collection Practices:
- The CFPB found that they engaged in intimidation, deception, and illegal debt collection practices, resulting in further legal action.
3. Aggressive and Unscrupulous Tactics:
- Many consumer complaints reveal the company’s use of aggressive and often illegal debt collection methods.

If you are dealing with Portfolio Recovery Associates, demand proof for any debt they claim you owe and respond promptly to any lawsuits. For personalized advice, you should consider consulting a legal professional.

In closing, Portfolio Recovery Associates has a history of lawsuits and complaints. Protect yourself by demanding proof of debt and seeking legal advice if necessary.

What Do People Online Say About 7025085256

People online have a lot to say about 7025085256. Here's what we found:

Investigator FTC DNC Spamlist on Tellows reported this number as a spam call. They mentioned, 'Spam Call Call related to No Subject Provided received in New York.' (Source: Tellows)

Analyzing these quotes, it's clear that this phone number is primarily reported as spam. Users are identifying it as potentially risky, especially from a debt collection perspective. If you're receiving calls from this number, it's advisable to be cautious and verify the legitimacy of any claims made during the call. Additionally, using services like blocking or reporting such numbers can help prevent further nuisance.

Overall, if you receive calls from 7025085256, it's essential to be cautious, verify any claims made, and consider blocking or reporting the number to avoid potential spam and nuisance.

Do I Really Need To Remove 7025085256 From My Credit Report

Yes, you should remove 7025085256 from your credit report if you confirm that it’s there and find it inaccurate. Handling this on your own can be extremely time-consuming and demanding. Instead of going solo, save your energy and consider reaching out to a reputable credit repair company like The Credit Pros. They can help you navigate the process effectively.

• Avoid the typical credit repair companies that have poor ratings and tend to be deceptive.
• They often don’t maximize your chances of removing inaccurate items.
• Only accurate and legitimate negative items will stick on your report for up to seven years, so only dispute what's potentially inaccurate.

As a final point, remember that handling inaccuracies on your credit report is crucial. Consider getting help from a trustworthy credit repair company, and ensure you remove items like 7025085256 if they’re inaccurate.

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

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- +1 (702) 508-5256
- +1 702 508 5256
- (702) 508-5256
- 702-508-5256
- 702.508.5256
- 702 508 5256
- +17025085256
- (702) 508-5256
- 702.508.5256
- 7025085256

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.