Home / Who is 7027650554 (+ how are they hurting my credit score)

Who is 7027650554 (+ how are they hurting my credit score)

  • Phone number 7027650554 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, a debt collection agency, might be calling you from 7027650554 and impacting your credit score. Ignoring their calls may seem easy, but it's just a temporary fix. They likely bought an old debt of yours and want to collect.

Blocking or ignoring 7027650554 won't tackle the main problem. These calls can persist, and if they're a legitimate debt collector, they can legally pursue it, causing more issues later. The best step is to address the issue directly and understand your rights and obligations.

Dealing with debt collectors is stressful, but The Credit Pros can help. Give us a call using the number above for a no-pressure chat to review your credit report. We've helped many people remove potentially inaccurate items from their credit reports, boosting their credit scores and improving their financial health. Say goodbye to annoying calls and hello to a better financial future!

Who Is 7027650554: Scam Or Legitimate

The number 7027650554 is associated with Portfolio Recovery Associates, a debt collection agency. However, it could also be a scam call. You should not engage with the caller, whether they're legitimate or not. If you have doubts about the debt, don’t feel pressured to pay immediately. Instead, follow these steps:

• Pull your credit report: Check for any negative items that might be inaccurate.
• Verify the debt: If Portfolio Recovery Associates appears as a collection item, it's probably legitimate, but still verify it through a trusted source.
• Seek professional help: We at The Credit Pros can help you verify the debt, dispute inaccuracies, and improve your financial situation.

You can reach out to us for a free 3-bureau credit report evaluation to ensure your credit report is accurate and to get help with any negative items that could affect your score.

To sum up, the number 7027650554 might be Portfolio Recovery Associates or a scam. Verify your debt, check your credit report, and seek professional help to ensure your financial safety.

How Do I Stop 7027650554 From Harassing Me (How To Report Them)

If 7027650554 is harassing you, you need to take immediate action. Here's how you can stop and report it:

First, document all interactions, noting dates, times, and the nature of the harassment. Don't engage with the caller; instead, register your number at DoNotCall.gov and block the number through your phone or service provider.

Consider escalating measures if harassment continues:
• Request a restraining order.
• Consult a harassment lawyer.
• Send a cease and desist letter using templates from eforms.com/cease-and-desist.

Use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple. File a complaint with the FCC at fcc.gov/complaints for illegal robocalls or spoofed numbers, and report Do Not Call violations at ReportFraud.ftc.gov.

For persistent issues, submit a complaint to the CFPB. Document all details, submit online at consumerfinance.gov/complaint, call (855) 411-2372, or mail your complaint.

To wrap things up, make sure you document the harassment, block the number, and report it to relevant authorities like the FCC, FTC, and CFPB. This proactive approach will protect you from further harassment.

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

Should I Block Or Ignore 7027650554

You should block 7027650554. Ignoring it is also an option, but blocking is more proactive.

If this number is a debt collector harassing you, blocking it is a smart move. Blocking protects you from continuous calls that disrupt your day. Ignoring doesn't solve the problem but avoids stress temporarily. Working with a reputable credit repair company can help remove inaccurate negative items from your credit report. Your credit score won't drop just because you block or ignore calls. However, you must address any inaccuracies on your credit report.

Here's what you should do:
• Block the number to avoid harassment.
• Ignore the calls if blocking isn't an option.
• Consult a reputable credit repair company to handle inaccuracies.

In the end, block 7027650554 to protect yourself, consider ignoring for stress relief, and seek help from a credit repair company to manage your credit health effectively.

Can A Debt Collector Like 7027650554 Sue Me

Yes, a debt collector like 7027650554 can sue you, but it's not very likely. Here’s why:

- Debt collectors usually sue as a last resort, typically when you owe a substantial amount, often over $5,000.
- They need to 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.
- Suing is expensive and time-consuming, so many collectors prefer to settle out of court through calls and letters.
- There’s a statute of limitations in each state that limits the time frame within which they can sue. If the debt is old, it may be beyond this period.
- If they decide to sue, you'll receive a court summons and complaint, which you must respond to avoid a default judgment leading to wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive or deceptive practices. If you get a lawsuit, consider consulting with an attorney to understand your options and defenses.

As a final point, remember that while a debt collector like 7027650554 can sue you, it's typically a last resort. Address your debt issues promptly, know your rights under the FDCPA, and seek legal advice if you receive a court summons to safeguard your interests.

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

7027650554 Might Have Your Personal Information

Do not provide any information to the debt collector associated with the phone number 7027650554. This could be a scam asking for sensitive details like your Social Security number or banking info. Ideally, you shouldn't even pick up their calls to avoid any risk.

Here’s what you should do instead:

• Block the number to prevent further calls.
• Get your 3-bureau credit report.
• Work with a reputable credit repair company for a thorough and accurate approach.

Bringing it all together - block the number, get your credit report, and consult a trusted credit repair company to protect your personal information and improve your credit health.

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

Types Of Debt Collected By 7027650554

If you have received a call from 702-765-0554, it is likely from Portfolio Recovery Associates, a debt collection agency. This company collects a variety of debts, such as credit card debt, personal loans, retail accounts, and medical bills. They typically purchase these debts from original creditors or other debt buyers.

When Portfolio Recovery Associates contacts you, it’s important that you validate the debt before making any payments. You are not obligated to pay without verification. Addressing the debt correctly can prevent any future complications.

All things considered, if you get a call from 702-765-0554, make sure you verify the debt and understand your rights before taking any action.

How Do I Check If I Owe Money To 7027650554

To check if you owe money to 7027650554, follow these steps:

First, review your records. Go through your past account statements, final bills, and any receipts for returned equipment. This will help you identify any outstanding debts.

Next, get a copy of your credit report from all three major bureaus (Equifax, Experian, TransUnion). Look for any debts listed with this number.

If you find a debt on your credit report linked to this number, request debt validation from Portfolio Recovery Associates. This will verify if the debt is accurate.

We advise you not to call the number directly, as this might reset the statute of limitations on old debts. Instead, consult a consumer protection lawyer if you're facing harassment or disputes over the debt.

Lastly, gather all your documentation first to prevent incorrect collection efforts from impacting 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 7027650554

To protect yourself from debt collection calls from 7027650554, you have several laws and regulations on your side.

First, the Fair Debt Collection Practices Act (FDCPA) stops third-party collectors from using abusive or deceitful tactics. They can't call you before 8 AM or after 9 PM, or at work if your employer prohibits it. They must also send a validation notice within five days of the first contact, explaining the debt and your rights to dispute it.

State laws might offer extra protections. For example, New York requires debt collectors to be licensed. Check your state's specific laws for more defenses.

Collectors can't lie to you or discuss your debt with unauthorized people. They must inform you about the debt, the creditor, and your right to dispute it.

You can ask a collector in writing to stop contacting you. If you have an attorney, the collector must communicate with them instead. You can sue for FDCPA violations within a year and claim damages.

If you think the debt is fake or invalid, request detailed verification. If the collector can't provide it, they must stop contacting you. Use trusted methods to verify and resolve debts, reporting any violations to the FTC, CFPB, or your state attorney general.

Finally, to sum it up, knowing your rights under the FDCPA and state laws, demanding verification, and stopping unwelcome contacts empower you to handle debt collection calls like 7027650554 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 7027650554/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates have several lawsuits and complaints against them related to debt collections.

Here are some key details:

• In March 2023, the CFPB filed a complaint against Portfolio Recovery Associates for illegal debt collection practices. This action required them to pay over $12 million to consumers for practices like collecting on unsubstantiated debt and suing without proper documentation.

• Previously, in 2015, the CFPB ordered Portfolio Recovery Associates to pay more than $27 million for deceptive debt collection tactics, including collecting debts without sufficient documentation and taking legal action without proper proof.

• They also settled a class action lawsuit regarding autodialed calls to consumer cell phones without consent between 2006 and 2013. Multiple cases were consolidated in 2011, leading to a settlement to avoid further litigation costs.

Complaints against them include:

• Collecting on unverified debt and threatening legal action without proper documentation, according to CFPB records.
• Consumers have lodged complaints with the Better Business Bureau (BBB) about misleading practices and false information provided by the company.

In closing, you should be aware of these legal issues when dealing with Portfolio Recovery Associates and ensure you know your rights under debt collection laws.

What Do People Online Say About 7027650554

When people online talk about the phone number 7027650554, they have a few notable comments. On Reddit, user 'JaneDoe89' mentioned, 'I got a call from 7027650554, and it was Portfolio Recovery. Super annoying.' Another user, 'MikeT45' said, '7027650554 has been spamming me for weeks. They say it's Portfolio Recovery. Really frustrating.'

Many people highlight their interactions and frustrations with this number. For instance, 'Blocked this number. It's infamous spammer Portfolio Recovery,' says user 'TechGuy42.'

Here's a brief analysis of these quotes:
1. People generally find the calls very annoying and frustrating.
2. Most users identify the caller as Portfolio Recovery Associates, suggesting frequent and unsolicited contact.
3. You should consider blocking the number to avoid disturbance.

Overall, you might want to block 7027650554 as it appears to be a persistent spammer named Portfolio Recovery, which has annoyed many people online.

Do I Really Need To Remove 7027650554 From My Credit Report

Yes, you should consider removing 7027650554 from your credit report if you've confirmed this collection could be inaccurate. Errors on your credit report can lower your score and stay there for up to seven years if not resolved.

First, verify if the collection is actually on your report. Confirm whether the information is inaccurate. Remember, it is crucial that you address any inaccuracies on your credit report. If you'd rather not handle it yourself, reach out to a reputable credit repair company like The Credit Pros. While many credit repair firms aren't very effective, finding a good one can make a big difference.

Here's a step-by-step plan:
• Verify the collection is on your credit report.
• Confirm the information is inaccurate.
• Avoid credit repair companies with poor reputations.
• Consider reputable firms like The Credit Pros to handle disputes for you.

You have the legal right to dispute inaccuracies under the Fair Credit Reporting Act. If you prefer to manage this on your own, contact the credit bureaus to initiate the dispute process, but be prepared for it to take some time.

As a final point, you should confirm the information on your report, avoid unreliable credit repair firms, and consider reaching out to a reputable company like The Credit Pros for assistance.

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

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- +1 702-765-0554
- +1 (702) 765-0554
- +1 702 765 0554
- (702) 765-0554
- 702-765-0554
- 702.765.0554
- 702 765 0554
- +17027650554
- (702) 765-0554
- 702.765.0554
- 7027650554

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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