Home / Who is 7576649001 (+ how are they hurting my credit score)

Who is 7576649001 (+ how are they hurting my credit score)

  • Phone number 7576649001 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.
List of company featuring our services

Main phone number related with this page is: 8664300311

Getting calls from 7576649001 can be a nagging headache. It's likely a debt collector, Portfolio Recovery Associates (PRA), or worse, a scam trying to hurt your credit score. If they keep blowing up your phone, they're probably trying to collect on an old debt you might not even remember. Blocking and ignoring the calls might give you peace for a bit, but it won't fix the root issue.

If PRA bought an outstanding debt of yours, they want to talk. Blocking them won't solve anything long-term. The best move is to take action. Give The Credit Pros a call. We’ll have a straightforward, no-pressure chat to review your 3-bureau credit report. This might reveal not just PRA's collection but also other inaccuracies dragging down your score.

We've helped many folks like you clean up potentially inaccurate marks, boost their credit scores, and stop the ceaseless calls. Ignoring 7576649001 is a band-aid; fixing your credit is the cure. Don't let these calls stress you out. Handling this now can safeguard your financial well-being and get you back on a healthier financial path.

Who Is 7576649001: Scam Or Legitimate

757-664-9001 belongs to Portfolio Recovery Associates, a debt collection agency. If you’re unsure whether the call is legitimate or a scam, avoid engaging with the caller. You don’t need to pay any debt immediately without verification.

Instead, you should take some key steps. First, get a free 3-bureau credit report evaluation to check for any inaccurate negative items affecting your credit score. If you find discrepancies or need help verifying the debt, The Credit Pros can assist you. We have helped many people in similar situations.

For your next steps:
• Pull your credit report and thoroughly analyze it for errors.
• Contact us to help you dispute any inaccurate items.
• Block the number to prevent further calls.

To sum up, whether the call is legitimate or a scam, check your credit report, dispute inaccuracies, and block the number to protect your financial health and reduce stress.

How Do I Stop 7576649001 From Harassing Me (How To Report Them)

To stop 7576649001 from harassing you, take these steps:

First, document each unwanted interaction, noting dates, times, and any abusive language used. This creates a detailed log you can reference. Then, register your number on the Do Not Call Registry, which takes just a few minutes.

Next, block the number using your phone’s call-blocking feature or by contacting your service provider. Additionally, consider call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

You should report illegal robocalls or unwanted calls to the FCC at fcc.gov/complaints. Select 'unwanted calls' and provide necessary details. Also, report telemarketing calls or Do Not Call Registry violations to the FTC at ReportFraud.ftc.gov or DoNotCall.gov. If you use Nomorobo, report the unwanted robocalls through their platform as well.

Contact your phone carrier to ask about additional call-blocking tools and options. If necessary, the CFPB can assist with persistent problems. Document all interactions and submit a complaint via consumerfinance.gov/complaint, by calling (855) 411-2372, or by mail to: CFPB, 1700 G Street, NW, Washington, DC 20552.

If calls persist, consider legal action. You might need a restraining order or a lawyer specializing in harassment. A cease and desist letter could be useful, and you can find templates at eforms.com/cease-and-desist.

To wrap things up – make sure you document every interaction, block the number, register on the Do Not Call Registry, and report to the appropriate authorities to stop 7576649001 from harassing you. These steps will help protect you from further harassment and empower you to take control of the situation.

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

Should I Block Or Ignore 7576649001

You should block 7576649001. Blocking this number, especially if it's a debt collector like Portfolio Recovery Associates, can prevent unwanted calls. If you ignore them, you might receive continuous calls that disrupt your day. Blocking provides immediate relief.

Here are actionable steps for handling this:

• Block the Number: Use your phone's built-in blocking feature or an app like Nomorobo to stop the calls.
• Work with a Reputable Credit Repair Company: Contact a credible credit repair service to address any potential inaccuracies on your credit report.
• No Impact on Credit Score: Blocking or ignoring the number won't affect your credit score. If it's already a collection on your report, it can't harm your score further.

In the end, blocking 7576649001 will reduce stress right away. Use your phone's blocking feature, consider a credit repair service, and remember that blocking won't impact your credit score.

Can A Debt Collector Like 7576649001 Sue Me

Yes, a debt collector like 7576649001 can sue you, though it's very unlikely. They usually take this step as a last resort, especially for debts over $5,000. The collector must prove you owe the debt, that the amount is correct, and that they have the right to sue you, which can be challenging if the debt has been sold multiple times.

Debt collectors often prefer to settle outside of court because lawsuits are costly and time-consuming. States have specific time limits, known as the statute of limitations, within which they can sue. If the debt is old, it might be beyond this period.

Typically, debt collectors start with calls and letters to collect what you owe. If they do decide to sue, you'll receive a court summons and must respond by the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies.

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

• Debt collectors often sue as a last resort.
• Lawsuits can be expensive and time-consuming for them.
• They must prove you owe the debt and have the legal right to sue.
• There's a statute of limitations on how long they can sue.
• You have rights under the FDCPA.

As a final point - remember that while suing is an option for debt collectors, it isn't common due to the cost and complexity. Know your rights and consult an attorney if you face a lawsuit from a debt collector like 7576649001.

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

7576649001 Might Have Your Personal Information

If you get a call from 7576649001, it might be an attempt to get your personal information-don't provide any. Ideally, don't even pick up when they call because engaging them can lead to more persistent calls and attempts to get your information.

You should get your 3-bureau credit report to understand your current credit status. From there, work on a comprehensive plan to improve your credit. One of the best ways to do this is by working with a reputable credit repair company. They have experience and can help you handle inaccuracies or disputes on your credit report efficiently.

• Do not share personal information. They may use it against you.
• Don't pick up the call. This prevents engagement and further contact.
• Check your credit reports. This helps you understand your credit standing.
• Contact a reputable credit repair company. They are skilled at resolving credit issues.

Bringing it all together – avoid engaging with 7576649001, check your credit reports, and consider using a reputable credit repair company to protect your information and improve your credit.

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

Types Of Debt Collected By 7576649001

7576649001 is associated with Portfolio Recovery Associates, which collects several types of debt. You might encounter them regarding:

- Credit card debt
- Personal loans
- Medical bills
- Utility bills
- Auto loans
- Retail financing

They acquire these debts from various creditors. If you receive a call from this number, it's likely about one of the debts mentioned above.

All things considered, if you get a call from 7576649001, it's probably about handling some specific debt.

How Do I Check If I Owe Money To 7576649001

To check if you owe money to 757-664-9001, you should first gather all your records, like final bills, account statements, or equipment return receipts. Look through your credit report for any collections listed under 'Portfolio Recovery Associates.' You can get a free credit report from Experian, Equifax, or TransUnion.

Next, contact the original creditor to see if they've transferred any debt to Portfolio Recovery Associates. You should ask them for a written validation notice to make sure the debt is accurate. It's important that you don't engage directly with Portfolio Recovery Associates at first to avoid restarting the statute of limitations on old debts.

If you find discrepancies or feel harassed over this debt, consider talking to a consumer protection lawyer. Dealing with these issues on your own can be tough, so getting professional help might be a good idea.

Lastly, by gathering all your documentation and verifying details through your credit reports and original creditors, you can handle your debts accurately and reduce unnecessary stress.

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

Which Debt Collection Laws And Regulations Protect Me From 7576649001

Debt collection laws and regulations protect you from agencies like Portfolio Recovery Associates.

The Fair Debt Collection Practices Act (FDCPA) is the primary federal law that shields you from abusive, deceptive, or unfair debt collection practices. Here’s how it guards you:

• Time Restrictions: You can't be contacted before 8 AM or after 9 PM.
• Workplace Contact: Your employer's prohibition means collectors can't call you at work.
• Harassment and Abuse: You won't face threats, obscene language, or repeated calls.
• False Representation: Collectors can't pretend to be attorneys or government officials.
• Third-Party Disclosure: Your debt information stays private, away from friends, neighbors, or co-workers.
• Illegal Demands: You won't be asked to pay more than what you legally owe.

You must receive a validation notice from debt collectors, including the amount owed, the creditor's name, and your rights to dispute the debt. If you dispute the debt in writing within 30 days, they must verify it before continuing collection efforts.

State laws might offer additional protections. Some states require debt collectors to be licensed and adhere to stricter standards.

If collectors violate these laws, you can sue them within a year and recover damages, including statutory damages up to $1,000 and attorney fees. Report violations to the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), or your state's attorney general.

Finally, remember you have rights and there are laws to protect you from unfair debt collection practices.

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 7576649001/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) has multiple lawsuits against them. Here are a few notable ones:

• CFPB 2015 Order Violation: In 2015, the Consumer Financial Protection Bureau (CFPB) sued PRA for violating a previous order. PRA was penalized for collecting unsubstantiated debt, suing without necessary documentation, and collecting on time-barred debts. They were required to pay over $12 million to affected consumers and another $12 million in penalties.

• March 2023 CFPB Action: Again in March 2023, the CFPB filed a complaint against PRA, alleging they violated the Consumer Financial Protection Act and other regulations. The CFPB highlighted issues like misrepresentation of debt amounts, collecting without proper documentation, and suing for time-barred debts. This resulted in PRA having to pay additional penalties.

Aside from lawsuits, there are numerous complaints against PRA:

• Consumer Complaints: Thousands of consumers have reported aggressive and sometimes illegal debt collection tactics.
• Government Complaints: The CFPB has repeatedly penalized PRA for not adhering to fair debt collection practices.

If you have been contacted or sued by PRA, it’s essential that you demand they prove their claims in court.

In closing, PRA faces multiple lawsuits due to violating consumer protection regulations and aggressive collection tactics. Always insist on verification if contacted by PRA.

What Do People Online Say About 7576649001

People generally report calls from 7576649001 as spam and unwanted. Here are some key points from user experiences:

• FTC DNC Spamlist marked this number as a Spam Call with a high negative score of 9. One user mentioned receiving a call with 'No Subject Provided' in Virginia.
• A user on tellows also flagged it as spam and expressed a wish to be updated about this number.

You can see that users have consistently negative encounters with this number, viewing it as intrusive and unhelpful.

Overall, if you receive a call from 7576649001, it's likely to be spam, and many people recommend avoiding engagement.

Do I Really Need To Remove 7576649001 From My Credit Report

Yes, you should remove 7576649001 from your credit report if the collection is 'potentially inaccurate.' First, verify that this collection is on your credit report and confirm the debt with the collection agency to ensure it's actually yours. Handling this on your own can be time-consuming and exhausting.

Instead of disputing it yourself, consider reaching out to a reputable credit repair company like The Credit Pros. They can save you time and effort. Avoid poorly rated or deceptive credit repair companies. A good credit repair service can make a significant difference in successfully removing potentially inaccurate negative items.

Remember, always monitor your credit reports frequently to catch any inaccuracies early on.

As a final point, take action to verify the debt, consider using a reputable credit repair service, and monitor your credit report regularly to protect your financial health.

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

Here are other formats 7576649001 can be written

- +1 757-664-9001
- +1 (757) 664-9001
- +1 757 664 9001
- (757) 664-9001
- 757-664-9001
- 757.664.9001
- 757 664 9001
- +17576649001
- (757) 664-9001
- 757.664.9001
- 7576649001

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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