Who is 7149082342 (+ how are they hurting my credit score)

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

Phone number 7149082342 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

If you've received calls from 7149082342, a debt collector like Portfolio Recovery Associates might be trying to collect an unpaid debt. These spam calls can harm your credit score by flagging unresolved debts. Ignoring or blocking the number may seem easy, but it won’t solve the financial issue.

The constant ringing might mean they bought your debt from another company or are trying to collect it. Just ignoring the calls won't make the problem go away. Check your 3-bureau credit report to confirm if inaccuracies or other negative items affect your credit score.

For a simple solution, contact The Credit Pros at the number above. We can chat quickly and review your credit report together without pressure. We've helped many people in your situation remove inaccurate negative items, which often improves credit scores and reduces harassing calls. Address this now to improve your financial health.

Who Is 7149082342: Scam Or Legitimate

If you receive a call from 714-908-2342, it is linked to Portfolio Recovery Associates, a debt collection agency. To determine if it's a scam or legitimate, do not engage with the caller directly. Instead, pull your credit report and check for any inaccuracies or unfamiliar debts.

Here’s what you should do:

• Pull your credit report to identify any unfamiliar debts.
• Do not pay the debt immediately if you have doubts or are unsure about the details.
• Analyze the report and look for inaccuracies.

If this collection appears, we can help you verify and dispute any errors. You can also contact us for a free 3-bureau credit report evaluation. The Credit Pros have helped many people handle similar spam calls, ensuring any debt is verified and any inaccuracies are disputed.

To sum up – Don’t engage with the caller, check your credit report for inaccuracies, and contact us for help in verifying the debt and disputing errors.

How Do I Stop 7149082342 From Harassing Me (How To Report Them)

To stop 7149082342 from harassing you, follow these steps:

1. Document Unwanted Interactions: Keep a detailed log with dates, times, and any abusive language used.

2. Do Not Call Registry: Register your number at DoNotCall.gov. Block the number through your phone’s call-blocking feature or contact your service provider for help.

3. Escalating Measures:
- Restraining Order: If calls persist or escalate, consider a restraining order to legally prevent further contact.
- Harassment Lawyer: Hiring a harassment lawyer can help; this is illegal and you have rights.
- Cease and Desist Letter: Send a cease and desist letter using the template at eforms.com/cease-and-desist.

4. Apps for Blocking Calls:
- Android: 'Call Blocker - Stop spam calls'
- Apple: 'Robokiller: Spam Call Blocker'

5. Federal Communications Commission (FCC): File a complaint if the call was an illegal robocall or spoofed at fcc.gov/complaints.

6. Federal Trade Commission (FTC): Report telemarketing calls or violations of the Do Not Call Registry at ReportFraud.ftc.gov.

7. CFPB:
- Gather Information: Document all interactions.
- Submit a Complaint: Visit consumerfinance.gov/complaint or call (855) 411-2372.
- What to Include: Clearly explain the situation with key details and documents.

8. Nomorobo: Use Nomorobo to report unwanted robocalls if you are a user.

9. Phone Carrier: Contact your phone carrier about call-blocking tools and options.

10. Local or State Consumer Protection Office: Look for additional resources or complaint mechanisms through local offices.

Remember to provide as much information as possible when filing reports.

To wrap things up - document every unwanted call, block the number, and register with the Do Not Call Registry. If the harassment persists, escalate with FCC and FTC complaints, and consider legal action if necessary. Stay proactive and use these steps to stop and report harassment from 7149082342.

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

Should I Block Or Ignore 7149082342

You should block 714-908-2342. If you ignore the calls, you might still receive them, causing stress and distractions. Blocking the number stops all direct communication, reducing anxiety. If the number belongs to a debt collector, blocking it can be a smart decision to avoid harassment.

Blocking or ignoring this number won't affect your credit score directly. If 714-908-2342 is linked to a debt, your score won't drop just because you block it. However, it is crucial that you address any inaccuracies on your credit report. We advise you to work with a reputable credit repair company to ensure wrong or negative items are addressed properly.

Here are practical steps you should take:
- Block 714-908-2342 to stop the calls and messages.
- Check your credit report for any related entries.
- Contact a reputable credit repair company to dispute inaccuracies.

In the end, blocking the number gives you peace of mind while you focus on resolving any credit issues with professional help.

Can A Debt Collector Like 7149082342 Sue Me

Yes, a debt collector like 7149082342 can sue you, but it's unlikely. Lawsuits are usually a last resort for substantial debts over $5,000. They must prove their legal right to the debt, which is tough, especially if it's changed hands many times. Suing is expensive and time-consuming, so they prefer calls and letters first.

You should know that each state has a statute of limitations, meaning older debts might be off-limits for lawsuits. If they do decide to sue, you will get a court summons. Always respond to avoid a default judgment, which could lead to wage garnishment.

You have rights under the Fair Debt Collection Practices Act (FDCPA). Consider consulting an attorney if you receive a lawsuit.

As a final point, it's crucial that you understand your rights, respond to any court summonses, and seek legal advice if needed.

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

7149082342 Might Have Your Personal Information

The number 714-908-2342 might have your personal information because it's likely associated with a debt collector, specifically Portfolio Recovery Associates. You shouldn't provide any information to debt collectors like this. Don't even pick up when they call, as engaging with them can lead to more persistent and invasive contact.

Instead, you should obtain your 3-bureau credit report and start building a comprehensive plan to improve your credit. Working with a reputable credit repair company is often your best bet. They have the expertise to handle disputes and inaccuracies on your credit report effectively and can guide you through the process to help secure a better financial standing.

• Don't engage or give out personal information.
• Obtain your 3-bureau report.
• Work with a reputable credit repair company.

Bringing it all together - by not engaging with this number, obtaining your credit report, and working with a reputable credit repair company, you can protect yourself and manage your financial health better. Stay proactive and secure by following this advice.

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

Types Of Debt Collected By 7149082342

7149082342 is likely associated with Portfolio Recovery Associates, a company that collects various types of debt. They collect unpaid debts like credit card balances, medical bills, personal loans, utility bills, and other forms of delinquent financial obligations.

They might buy your debts from original creditors who couldn't collect the debts on their own. This means they try to recover the money directly from you after acquiring your debt. If they buy your debt, they keep whatever they manage to collect. If they are working for another creditor, they might settle for a percentage of the recovered amount.

Always verify any debt before making a payment. All things considered, if Portfolio Recovery Associates contacts you about your debt, you should confirm the debt's validity and understand your options before proceeding with any payments.

How Do I Check If I Owe Money To 7149082342

To check if you owe money to the number 714-908-2342, which is associated with Portfolio Recovery Associates, follow these steps:

First, avoid direct contact with the number to prevent restarting the statute of limitations on old debts.

Next, you should review your records. Thoroughly check your bills, account statements, and receipts for any missed payments.

Then, you can look at your credit reports for any debt listings from Portfolio Recovery Associates.

If the debt appears on your credit report, request debt validation from the collections agency.

Remember, it is crucial that you dispute any inaccuracies you find to protect your credit score. Disputing might take some effort and could be a lengthy process.

Lastly, if you face harassment or have complex disputes over the debt, consider consulting a consumer protection lawyer. By gathering all necessary documents and following these steps, you can effectively manage your situation and safeguard your credit score.

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

Which Debt Collection Laws And Regulations Protect Me From 7149082342

If you're dealing with debt collection calls from 714-908-2342, you are protected by several laws and regulations. Here’s a breakdown:

Federal Law:
- Fair Debt Collection Practices Act (FDCPA): You are protected from abusive, deceptive, or unfair practices by third-party debt collectors. This law covers personal debts like credit cards, auto loans, medical bills, and mortgages.
- Prohibited Conduct: Collectors cannot contact you before 8 AM or after 9 PM, use abusive language, make threats, harass you, falsely represent themselves, disclose your debt to third parties, or demand more than legally allowed.
- Required Disclosures: Collectors must send you a written validation notice with details about the debt, including the amount owed and your right to dispute it.
- Consumer Rights: You can write to the collector to stop all communications, and they must comply except for certain exceptions. You can sue for violations within one year, and report them to the CFPB or FTC.

State Laws:
- California:
- Rosenthal Fair Debt Collection Practices Act: This offers you more protections and applies to both original creditors and third-party collectors.
- Debt Collection Licensing Act: Collectors must be licensed within the state.

Finally, these laws ensure that debt collectors like Portfolio Recovery Associates follow strict guidelines in their attempts to collect a debt from you. Remember, you have the right to fair and respectful treatment.

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 7149082342/Portfolio Recovery Associates Have Any Lawsuits Against Them

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

You should know about the key lawsuits:

• 2015 CFPB Lawsuit: The Consumer Financial Protection Bureau (CFPB) sued Portfolio Recovery Associates for illegal debt collection practices. They were ordered to pay over $27 million in restitution for deceptive tactics.
• 2023 CFPB Lawsuit: In March 2023, the CFPB filed another complaint against them for not following the 2015 order and other regulations. They had to pay over $24 million in restitution.

Consumer complaints also highlight ongoing issues:

• The CFPB found that Portfolio Recovery Associates collected on unsubstantiated debts, threatened legal action without proper documentation, and collected debts past the statute of limitations.
• Numerous consumers have complained about their aggressive and illegal debt collection tactics, including not providing necessary documentation and misrepresenting debt amounts.

If Portfolio Recovery Associates is contacting you, it's crucial that you know your rights and may want to seek legal advice to handle the situation.

In closing, Portfolio Recovery Associates has faced multiple lawsuits and complaints for deceptive and illegal practices. You should stay informed, know your rights, and consider legal advice to protect yourself.

What Do People Online Say About 7149082342

People online have shared specific experiences about 7149082342. Here are some quotes from various sources:

1. Reddit User 'Unknown' on September 27, 2022: 'This number keeps calling me almost every day. It’s relentless and really annoying.'

2. Reddit User 'polio recoveryz' on July 17, 2021: 'Got a call from 7149082342. Not sure why they keep ringing.'

3. User Report on Robokiller: 'Persistent spam caller. I've blocked the number but they still get through somehow.'

4. Anonymous User on 800notes.com: '7149082342 called and left no message. Classic spam behavior.'

Brief Analysis:
You might be frustrated with the frequent and persistent calls from 7149082342. People online commonly report this number as a spam caller that doesn't leave messages. Blocking the number is a good step, although some users have found that calls still come through. It suggests that the number might be linked to automated systems or aggressive calling strategies.

Overall, you should consider blocking 7149082342 to minimize the nuisance. Many users share your frustration, and taking steps to block this persistent spam caller can help reduce these annoying disruptions.

Do I Really Need To Remove 7149082342 From My Credit Report

Yes, you should remove the number 7149082342 from your credit report if it is confirmed that this collection is potentially inaccurate.

Here’s what you need to do:

1. Confirm the collection is on your credit report.
2. Verify that it’s potentially inaccurate.
3. Avoid typical, poorly rated credit repair companies.
4. Save time by using a reputable credit repair service like The Credit Pros.

Remember, disputing inaccuracies by yourself can be time-consuming. A reputable credit repair company can make this process much easier and more efficient.

As a final point, confirm if the collection is incorrect, avoid poorly rated credit repair companies, and consider reaching out to a trusted service like The Credit Pros for help.

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

Here are other formats 7149082342 can be written

- +1 714-908-2342
- +1 (714) 908-2342
- +1 714 908 2342
- (714) 908-2342
- 714-908-2342
- 714.908.2342
- 714 908 2342
- +17149082342
- (714) 908-2342
- 714.908.2342
- 7149082342

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.