Who is 7133449784 (+ how are they hurting my credit score)

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

Phone number 7133449784 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

That number, 7133449784, likely belongs to a debt collector or a scammer. Ignoring it might seem like a quick fix, but it won't solve the problem long-term. If it's a legitimate debt, you need to handle it directly to protect your credit report and score.

If this is Portfolio Recovery Associates or another intermediary trying to collect a debt, they've likely bought an outstanding debt tied to you. Simply blocking the call won't fix the issue. Your best bet is to seek help from a professional who can guide you through this.

Call The Credit Pros (their number's listed above). They offer a no-pressure chat to review your credit report from all three bureaus and check if the debt is accurate. They've helped many people remove false items from their credit reports, which boosts credit scores and stops the nagging calls. Take action now to improve your financial standing and stop letting this stress you out!

Who Is 7133449784: Scam Or Legitimate

The phone number 7133449784 appears to be from Portfolio Recovery Associates, a debt collection agency. However, it could also be a scam, so you should proceed with caution. It's important that you don't engage directly with the caller. Whether they're legitimate or scammers, you should not pay the debt immediately if you have any doubts.

Here's what we advise you to do next:

• Pull your credit report: Check for potentially inaccurate, negative items that could hurt your score.
• Look for the brand: If Portfolio Recovery Associates appears as a collection/negative item, the call is likely legitimate but still not worth responding to directly.
• Get help: The Credit Pros can assist in verifying any debt from this collector, disputing potentially inaccurate negative items, and improving your financial prospects.

To sum up, don't engage with the caller. Instead, pull your credit report, check for any negative items, and seek help from The Credit Pros to verify and dispute any inaccuracies.

How Do I Stop 7133449784 From Harassing Me (How To Report Them)

To stop 7133449784 from harassing you, follow these steps:

First, document all unwanted interactions. Keep a detailed log with dates, times, and descriptions of the calls or messages. This documentation can be crucial later.

Next, register your number with the Do Not Call Registry. This only takes a few minutes and can help prevent further spam calls.

You should also block the number. Use your phone’s call-blocking feature or ask your service provider for help. Call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices can also be effective.

Consider sending a cease and desist letter. Use a template from eforms.com to formally request the caller to stop contacting you.

File complaints with the appropriate authorities:
• FCC: Report the call at fcc.gov/complaints. Select the phone form and provide detailed information.
• FTC: Report at ReportFraud.ftc.gov or DoNotCall.gov.
• CFPB: Submit a complaint online at consumerfinance.gov/complaint, by phone at (855) 411-2372, or by mail.

If the harassment persists, consider legal action. You might get a restraining order or hire a harassment lawyer to help manage the situation.

Nomorobo users can report unwanted robocalls through their platform. Additionally, contacting your phone carrier can provide more options for blocking unwanted calls.

To wrap things up, by documenting interactions, registering with the Do Not Call Registry, blocking the number, sending a cease and desist letter, filing complaints, considering legal action, and using services like Nomorobo, you can effectively stop harassment from 7133449784.

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

Should I Block Or Ignore 7133449784

You should block 7133449784. Ignoring calls from this number won't stop them, and blocking can give you peace from constant interruptions.

If the number belongs to a debt collector, especially if they're harassing you, blocking them is a smart move. Ignoring them won’t negatively impact your credit score directly, but dealing with them through a reputable credit repair company can help you address any inaccuracies on your credit report. Your score won't drop just because you block them. If the collection is already on your report, it can't hurt your score any more than it already has.

Here's what we advise you to do:
• Block the number to stop the calls.
• Contact a reputable credit repair company to address any potential credit report issues.
• Understand that blocking them won't affect your credit score further.

In the end, block the calls, reach out to credit repair experts, and rest easy knowing your score won't be affected by this specific action.

Can A Debt Collector Like 7133449784 Sue Me

Yes, a debt collector like 7133449784 can sue you, although it's typically a last resort. Debt collectors usually sue for substantial amounts, often over $5,000. They must prove you owe the debt, the amount is correct, and they have the right to sue. Suing is costly and time-intensive, so they prefer settlement.

In Texas, if the debt is old and past the statute of limitations, they can't sue you. Instead, they might use calls and letters. If they do decide to sue, you'll receive a court summons. You must respond to avoid a default judgment. Know your rights under the Fair Debt Collection Practices Act (FDCPA) and consult an attorney if necessary.

• Debt collectors only sue when it's financially worth it.
• They need solid proof that the debt is valid.
• Older debts might be past the statute of limitations, reducing the risk of a lawsuit.

As a final point, understand that while a debt collector like 7133449784 can sue you, it's uncommon and they must adhere to legal standards. Keep abreast of your rights and seek legal advice if sued to protect yourself and navigate the situation efficiently.

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

7133449784 Might Have Your Personal Information

If you receive a call from 7133449784, avoid sharing any personal information. This number likely belongs to a debt collector. Engaging with them can lead to stress and potential miscommunication.

You should not pick up their calls. Instead, focus on obtaining your three-bureau credit report. This will help you understand your current credit standing and create a comprehensive plan to improve it.

• Work with a reputable credit repair company.
• Handle inaccuracies or disputes on your report.
• Get professional guidance to improve your credit health effectively.

Bringing it all together - avoid picking up calls from 7133449784, get your three-bureau credit report, and work with a reputable credit repair company to handle any inaccuracies and improve your credit health.

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

Types Of Debt Collected By 7133449784

Portfolio Recovery Associates, associated with 7133449784, collects various types of consumer debts. These include credit card debts, personal loans, and retail accounts. They purchase debt from original creditors and financial institutions, focusing on recovering unpaid balances from individuals.

All things considered, if you owe money, it might be for a credit card, a personal loan, or even a retail account. These debts usually come from original creditors and end up with Portfolio Recovery Associates.

How Do I Check If I Owe Money To 7133449784

To check if you owe money to 7133449784, start by reviewing your records. Look for final bills, account statements, or equipment return receipts that match the debt in question.

Next, check your credit reports from Experian, Equifax, and TransUnion to see if the debt appears there. If it does, request debt validation from the collection agency. This means they must prove the debt is yours and the amount is correct.

Avoid contacting the number directly to prevent restarting the statute of limitations on old debts. If you face harassment, consult a consumer protection lawyer.

Lastly, gather all relevant documents to stay proactive and protect your credit from inaccurate collection efforts.

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

Which Debt Collection Laws And Regulations Protect Me From 7133449784

Debt collection laws and regulations protect you from unfair practices by debt collectors, including 7133449784. The main federal law is the Fair Debt Collection Practices Act (FDCPA), which prohibits third-party debt collectors from using abusive, deceptive, or unfair practices. This includes preventing them from contacting you at inconvenient times (before 8 AM or after 9 PM), using abusive language, making threats, or repeatedly calling to harass you.

State laws, like the Texas Debt Collection Act, provide additional protections and can impose criminal and civil penalties on violators. Texas also has laws to combat 'zombie debt,' ensuring debt buyers can't sue after the statute of limitations has expired.

You have the right to be informed about your debt and to dispute it if necessary. Debt collectors must send you a validation notice with details about the debt and your rights. If needed, demand that they stop contacting you by sending a written request.

If a collector violates these laws, you can report them to the FTC, CFPB, or your state attorney general and may sue for damages.

Finally, remember that you have rights when dealing with debt collectors. Know the laws, demand proper validation, and don't hesitate to report any violations.

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 7133449784/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, 7133449784/Portfolio Recovery Associates has several lawsuits against them. You should be aware of the notable ones:

• Consumer Financial Protection Bureau (CFPB) Lawsuit (2015): Portfolio Recovery Associates had to pay over $27 million in refunds and penalties due to deceptive collection tactics.
• CFPB Lawsuit (2022): Again, they were ordered to pay over $24 million for violating the 2015 order and engaging in illegal collection practices.

You can find many official complaints against Portfolio Recovery Associates, including:
• Collecting on unsubstantiated debt without providing the required documentation.
• Threatening legal action without proper documentation.
• Suing for debts outside the statute of limitations.
• Improperly handling disputes and failing to investigate credit reporting issues.

In closing, be aware of these lawsuits and complaints to protect yourself from any unethical practices by Portfolio Recovery Associates.

What Do People Online Say About 7133449784

People online have various opinions about the phone number 713-344-9784. Here's what some Reddit users have to say:

- 'Received multiple calls from 7133449784 asking about a debt I supposedly owe. Feels like a scam.' - User JohnDoe1978
- 'I get calls from this number almost every day. So annoying!' - User JennaSparks
- '7133449784 is definitely linked to debt collection. Be cautious.' - User FinanceGuru

These comments reveal frustration and suspicion towards this number, hinting that it might be associated with aggressive debt collection practices.

If you are dealing with calls from this number, be cautious. You might want to block the number and verify any debt claims through reliable sources.

Overall, trust your instincts and take steps to protect yourself from potential scams.

Do I Really Need To Remove 7133449784 From My Credit Report

Yes, you should consider removing 7133449784 from your credit report if you have confirmed that this collection is present and potentially inaccurate. Doing so can improve your credit score and financial standing.

To get started, you need to:

- Confirm that this collection is on your report and ensure it's potentially inaccurate.
- Avoid typical credit repair companies because they often have poor reputations and don't maximize your chances for success.
- Contact a reputable credit repair company, like The Credit Pros, to efficiently handle the dispute process for you.

Working with a good credit repair service can make a significant difference by leveraging their expertise in disputing inaccuracies effectively.

As a final point - you should verify the collection's accuracy, steer clear of poorly rated repair companies, and engage with a reputable service for the best results.

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

Here are other formats 7133449784 can be written

- +1 713-344-9784
- +1 (713) 344-9784
- +1 713 344 9784
- (713) 344-9784
- 713-344-9784
- 713.344.9784
- 713 344 9784
- +17133449784
- (713) 344-9784
- 713.344.9784
- 7133449784

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.