Who is 7039414785 (+ how are they hurting my credit score)

The phone number 7039414785 is associated with Nationwide Credit Corporation (NCC), a debt collection agency. However, whether the call is legitimate or a scam, you should not engage with the caller directly.

If you have doubts, avoid paying the debt immediately. Instead, you should pull your credit report to check for any potentially inaccurate or negative items. We recommend contacting The Credit Pros to evaluate your report for free and help dispute any inaccuracies. Protecting your financial health is crucial, whether the call is legitimate or not.

Here’s what we advise you to do:
• Do not confirm any personal information over the phone.
• Block the number to avoid further calls.
• Review your credit report for any negative marks.
• Contact The Credit Pros for help with verification, disputing inaccuracies, and improving your credit score.

To sum up, it is vital that you block the number, avoid sharing personal details, check your credit report, and seek professional help to protect your financial health.

To stop 7039414785 from harassing you, follow these steps:

First, document each unwanted interaction. Keep a log with dates, times, and details of each call. This evidence is crucial.

Next, register your number with the Do Not Call Registry at DoNotCall.gov. It only takes a couple of minutes.

Then, block the number. You can use your phone's call-blocking feature:
- On Android, try the app 'Call Blocker - Stop spam calls.'
- On Apple, use 'Robokiller: Spam Call Blocker.'

Contact your phone carrier and ask about their call-blocking options. They often have additional tools to help you.

File complaints with the FCC and FTC:
- For the FCC, report unwanted calls at fcc.gov/complaints.
- For the FTC, report telemarketing calls at ReportFraud.ftc.gov or at DoNotCall.gov.

Consider sending a cease and desist letter. You can find a template at eforms.com/cease-and-desist.

If harassment continues or threats escalate, consider escalating measures like a restraining order or consulting a harassment lawyer.

Use Nomorobo to report unwanted robocalls if you are a subscriber. Check with your local or state consumer protection office for additional resources.

Lastly, document all interactions and submit a complaint online with the CFPB at consumerfinance.gov/complaint or call (855) 411-2372.

To wrap things up, you can stop 7039414785 from harassing you by logging all interactions, using call-blocking tools, filing complaints with the FCC and FTC, and considering legal actions if needed. Stay proactive and take these steps to protect your peace of mind.

Block the number 7039414785. Blocking stops all calls and messages, preventing any harassment from this potential debt collector, Nationwide Credit Corporation (NCC). This action ensures you won't face any further interruptions.

If this number relates to an inaccurate debt on your credit report, you should work with a reputable credit repair company. Blocking the number won't drop your score further; any existing collection is already impacting it. Blocking helps manage stress while you sort out your credit issues with expert help.

Steps to take:
• Block 7039414785 to stop all communications.
• Consult a reputable credit repair company to handle any credit report inaccuracies.

In the end, blocking 7039414785 is a smart move to prevent harassment while you work with a credit repair company to address any inaccuracies on your credit report.

Yes, a debt collector like 7039414785 can sue you, but it's usually a last resort and primarily for larger debts over $5,000. They need to prove you owe the debt, the amount is correct, and they have the legal right to sue, which is often challenging. Lawsuits are also costly and time-consuming, so they prefer to settle out of court.

There's a statute of limitations for debt which varies by state, limiting the time they can sue. Typically, they start with calls and letters. If you’re sued, you’ll receive a court summons and need to respond to avoid a default judgment, which can lead to wage garnishment or bank account levies-though this is rare.

Under the Fair Debt Collection Practices Act, you have protections against abusive or deceptive practices. If you are sued, consult an attorney to understand your options.

As a final point, remember that while a debt collector can sue, it’s rare. Always respond to court summons, understand your protections, and consult an attorney if needed.

If you receive a call from 7039414785, do not provide any personal information. It's likely from a debt collector. You should avoid picking up the call because engaging with them can lead to unnecessary stress and complications. Instead, obtain your 3-bureau credit report and start building a comprehensive plan to improve your credit.

- Screen Calls: Avoid picking up unknown numbers to dodge possible scams.
- Guard Your Info: Never share personal details over the phone.
- Secure Reports: Get credit reports from all three major bureaus.

You should work with a reputable credit repair company to fix any inaccuracies on your report. This support will help you rebuild your credit more effectively and keep your financial information secure.

Bringing it all together, make sure you screen calls, guard your personal info, secure your credit reports, and seek reputable help for rebuilding your credit.

Nationwide Credit Corporation (NCC) collects various types of debt you might owe. These include:

• Credit card debts: NCC handles unpaid credit card bills that have gone delinquent.
• Medical bills: If you have outstanding medical expenses, NCC may contact you about them.
• Utility bills: NCC collects unpaid utility bills, like electric or water services.
• Loan repayments: This covers different loans, including personal loans.
• Toll fees: Outstanding balances for Express Lanes tolls may be collected by NCC.
• Tax bills: Unpaid federal or state taxes may also be part of their collections.

While NCC sometimes buys debts, they often collect on behalf of original creditors such as credit unions and medical providers.

All things considered, NCC collects a wide range of debts, including credit card bills, medical expenses, utility bills, loan repayments, toll fees, and tax bills.

To check if you owe money to 7039414785, follow these steps:

1. Check your records. Go through your past letters, emails, account statements, and any receipts tied to returns of equipment or services. Look for the most recent communications.
2. Review your credit reports from Experian, TransUnion, and Equifax. These reports list all your debts, including those in collections.
3. Request debt validation from the collections agency if this debt shows up on your credit report. This forces them to provide proof that the debt is yours.
4. Consult a consumer protection lawyer if you face harassment or believe there's a mistake.

Lastly, remember it’s always a good idea to be thorough and proactive to prevent inaccurate collection efforts from affecting your credit.

You are protected from debt collection practices by the Fair Debt Collection Practices Act (FDCPA) and by state laws.

The FDCPA ensures that debt collectors can't use abusive, unfair, or deceptive practices. This applies to personal, family, and household debts but not business debts. Debt collectors must provide a written validation notice about the debt with details like the amount owed and the creditor's name. If you dispute the debt within 30 days, they must stop collecting until they verify the debt.

Prohibited conduct under the FDCPA includes:

- Contacting you before 8 AM or after 9 PM.
- Calling you at work if your employer prohibits it.
- Using obscene, profane, or abusive language.
- Threatening violence or criminal actions.
- Repeatedly calling to harass you.
- Falsely representing themselves as attorneys or government affiliates.
- Disclosing your debt to third parties.
- Demanding larger payments than are legally permitted.

You can also request that they stop contacting you, and they must comply except for certain reasons, such as informing you about legal actions. If they violate FDCPA rules, you can sue them within one year for damages and attorney fees. Violations can also be reported to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), or your state attorney general.

In addition to FDCPA, some states have additional protections. For example, New York requires debt collectors to be licensed.

If you’re dealing with a debt collector from Nationwide Credit Corporation (NCC), these regulations protect you.

Finally, remember that understanding your rights under laws like FDCPA empowers you to handle debt collection confidently and protects you from illegal practices.

Yes, 7039414785/Nationwide Credit Corporation (NCC) has several lawsuits against them:

- Case No. 1:18-cv-01660-CCC: Filed in the United States District Court for the Middle District of Pennsylvania. You can find allegations of FDCPA violations here, primarily focusing on harassing phone calls using an automated dialing system.
- Case No. 1:09-cv-00300-RDB: Filed in the United States District Court for the District of Maryland. This lawsuit includes claims of persistent and harassing calls related to a medical bill debt, even after the plaintiff requested the calls to stop.

Additionally, there are numerous official complaints against NCC for violating FDCPA regulations, particularly involving harassing communication and demanding personal information.

In closing, several lawsuits and complaints exist against 7039414785/Nationwide Credit Corporation (NCC), highlighting issues with harassing calls and FDCPA violations.

People online have mixed opinions about 7039414785. Here are some quotes from Reddit users:

- User 'kollekturdz' on April 29, 2024, said, 'This number keeps spamming me. Probably a debt collector.'
- Another user mentioned, 'Received calls from 7039414785 multiple times. They never leave a voicemail.'
- One more user stated, 'It’s from Nationwide Credit Corporation, they’ve been trying to collect a debt.'

You might think it's just spam calls, but these comments suggest that 7039414785 is tied to Nationwide Credit Corporation. If you're getting these calls, it's likely about debt collection.

Overall, people online say 7039414785 makes persistent and unsolicited calls, causing annoyance and stress.

Yes, you really need to remove 7039414785 from your credit report if you've confirmed it's there and it's potentially inaccurate. Taking care of inaccuracies can be a time-consuming and exhausting process if you handle it alone. Instead, we advise you to consider reaching out to a reputable credit repair company. Many typical credit repair companies can be deceptive and poorly rated, so opt for a trustworthy company like The Credit Pros, who can make a significant difference.

It's crucial that you ensure all information on your credit report is accurate to improve your score and avoid paying higher interest rates on loans. Mistakes on credit reports happen more often than you might think and can unnecessarily drag your score down. If you feel unsure about how to proceed, contact a reputable credit repair company for guidance.

As a final point, remember that verifying and correcting potential inaccuracies on your credit report can boost your credit score and save you money in the long term. Take action now by considering professional support if needed.

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
• 6303879597
• 7039412421
• 5714581212
• 7039411921
• 7039414893