Home / Who is 7635619120 (+ how are they hurting my credit score)

Who is 7635619120 (+ how are they hurting my credit score)

  • Phone number 7635619120 is likely a debt collector called:' Reliance Recoveries'.
  • 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: 8009556600

Receiving calls from 7635619120 likely means a debt collector, such as Reliance Recoveries, is trying to reach you about an outstanding debt or it could be spam. Ignoring these calls might harm your credit score. Blocking the number only offers a temporary break.

If a debt collector, like Reliance Recoveries, has bought your overdue debt or is working for your original creditor, ignoring the calls won't solve the problem. The best approach is to address the issue directly for long-term relief.

Call The Credit Pros (number above) and we’ll review your situation thoroughly. We help identify if it's a debt collection issue and check for other inaccurate items on your credit report. Many clients have improved their credit scores and financial health by dealing with these issues directly, eliminating the stress and avoiding future harassment.

Who Is 7635619120: Scam Or Legitimate

7635619120 is a number associated with Reliance Recoveries, a legitimate debt collection agency. However, even if the call is legitimate, you shouldn't engage directly with the caller. If you're unsure about the debt or have doubts, you don't need to pay it immediately. Instead, pull your credit report and check for any inaccurate or negative items. It’s possible that some items on your report might be hurting your score unnecessarily.

We advise you to call us for a free 3-bureau credit report evaluation. Our team at The Credit Pros can help you verify any debt and dispute potentially inaccurate negative items, improving your financial prospects. Reliance Recoveries may continue to call and attempt to collect, but ignoring their calls and working with a credit specialist can help you manage the situation effectively.

To sum up, remember that verifying debt and addressing inaccuracies are crucial. Ignore the calls, check your credit report, and contact us for a detailed evaluation to ensure you handle this correctly without any undue stress.

How Do I Stop 7635619120 From Harassing Me (How To Report Them)

To stop 7635619120 from harassing you, follow these steps:

First, document everything. Keep logs of all interactions, noting dates, times, and what was said. Next, register your phone number on DoNotCall.gov and block the number on your phone. You can also use apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices to help with unwanted calls.

If the harassment continues, you might need to escalate. Consider getting a restraining order if threats are made, or hire a harassment lawyer who can guide you through legal action. Sending a cease and desist letter using a template can also be effective.

Additionally, report the number to the FCC for illegal robocalls, number spoofing, or unwanted calls by filing a complaint at fcc.gov/complaints. For telemarketing violations, you can report them at ReportFraud.ftc.gov or DoNotCall.gov.

You can also submit a complaint to the Consumer Financial Protection Bureau (CFPB) by gathering your information and submitting it online at consumerfinance.gov/complaint, by calling (855) 411-2372, or by mailing it to 1700 G Street, NW, Washington, DC 20552. Track your complaint to review and respond to any updates.

To further protect yourself, if you are using Nomorobo, you can report unwanted robocalls via their platform. Additionally, contact your phone carrier as they may have call-blocking tools and options. Finally, check with your local or state consumer protection office for more resources.

To wrap things up, make sure you document all interactions, block and report the offending number, and use tools and legal options to stop harassment from 7635619120.

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

Should I Block Or Ignore 7635619120

You should block 7635619120. Blocking the number won't affect your credit score. If it's a debt collector like Reliance Recoveries, blocking their calls can lower your stress and stop harassment. Ignoring them might result in more calls or texts, which can be annoying.

You won't face any consequences for blocking their number, especially if they are harassing you. To handle any credit issues related to them, you should work with a reputable credit repair company. They can help you address and possibly remove inaccuracies on your credit report.

Blocking the number stops the immediate harassment. Focus on proactive steps like contacting a credit repair company to manage disputes or errors on your credit report.

In the end, block the number to reduce your stress and work with professionals to improve your credit health.

Can A Debt Collector Like 7635619120 Sue Me

Yes, a debt collector like 7635619120 can sue you, but it’s unlikely. Lawsuits are typically a last resort, used when the debt is substantial, often over $5,000. Debt collectors must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be challenging, especially if the debt has changed multiple hands. Lawsuits are expensive and time-consuming, so collectors usually prefer out-of-court settlements.

You should be aware of the Statute of Limitations in your state, which limits the time frame a debt collector can sue you. If your debt is too old, it may be beyond this period. If you receive a summons and complaint, it is crucial that you respond to avoid a default judgment, which could result in wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA). If you receive a lawsuit, we advise consulting an attorney to understand your options and defenses.

As a final point, remember that while it's possible for a debt collector like 7635619120 to sue you, it’s rare. Know your Statute of Limitations, respond to any court summons, and consult an attorney to navigate your options.

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

7635619120 Might Have Your Personal Information

If 7635619120 might have your personal information, you must not provide any information to them. Avoid answering their calls as this gives them more access to your personal details. Instead, here’s what we advise you to do:

• Block the number to prevent further unsolicited calls.
• Get your 3-bureau credit report to understand your financial situation.
• Work with a reputable credit repair company to manage disputes and inaccuracies on your credit report.

We understand this situation is stressful, but taking these steps can help you manage your credit effectively.

Bringing it all together – block the number, review your credit reports, and collaborate with experts to handle inaccuracies for better peace of mind.

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

Types Of Debt Collected By 7635619120

Reliance Recoveries deals with various types of debt, including personal debts such as credit card balances and loans. You often encounter their involvement when creditors sell debt they can no longer collect. Reliance Recoveries also acts on behalf of companies to collect unpaid accounts.

You may notice they handle a wide range of debts. This typically includes:

• Credit card balances
• Personal loans
• Medical bills
• Unpaid utilities

All things considered, Reliance Recoveries manages debts from personal loans to utility bills, working either by purchasing the debt or acting on behalf of other companies.

How Do I Check If I Owe Money To 7635619120

To check if you owe money to 7635619120 (connected to Reliance Recoveries), follow these steps:

First, review your records. You should look for any final bills, past account statements, or equipment return receipts that might prove you owe money.

Next, check your credit reports from the three major bureaus - Equifax, Experian, and TransUnion. You want to identify any debts reported by Reliance Recoveries.

You can also search online by typing 7635619120 into a search engine. This might reveal others' experiences and confirm if it's associated with a debt collector.

If you see a debt from Reliance Recoveries on your credit report, request a written debt validation letter from them. This proves the debt is yours and includes details like the original creditor and amount owed.

If you feel harassed or unsure about the debt, consult a consumer protection lawyer. They can help you navigate disputes.

Lastly, ensure you review your records and credit reports carefully, search for the phone number online, request a debt validation letter, and consult a lawyer if needed to handle this situation effectively.

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

Which Debt Collection Laws And Regulations Protect Me From 7635619120

You are protected by several debt collection laws and regulations. The main federal law is the Fair Debt Collection Practices Act (FDCPA). This law prohibits debt collectors from using abusive, deceptive, or unfair practices when collecting debts for personal, family, or household purposes, like credit cards, auto loans, medical bills, and mortgages.

Here are key protections under the FDCPA:

• Debt collectors can't contact you before 8 AM or after 9 PM.
• They can't contact you at work if your employer prohibits such calls.
• They must not use obscene, profane, or abusive language.
• They cannot threaten violence or repeatedly call to harass you.
• They can't pretend to be attorneys or government officials.
• They can't disclose your debt to third parties such as friends or coworkers.
• They can't demand more money than legally allowed.

Debt collectors must also provide you with a written validation notice about the debt. This notice should include the debt amount, the creditor's name, and your right to dispute the debt. If you dispute the debt within 30 days, they must provide verification and stop collection efforts until they do.

You have the right to ask the collector to stop contacting you by sending a written request. If you're represented by an attorney, the collector must only communicate with your attorney. If the FDCPA is violated, you can sue the collector and report them to the FTC, CFPB, and your state's attorney general.

Many states have additional laws providing extra protections, so check your state laws for more details.

Finally, understanding which debt collection laws and regulations protect you from practices like those from 7635619120 helps you safeguard your rights and take action if needed.

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 7635619120/ Reliance Recoveries Have Any Lawsuits Against Them

No lawsuits have been found against Reliance Recoveries. However, you should be aware of some complaints:

• Consumers report frequent and persistent calls, which can feel like harassment.
• There are issues with incorrect debt reporting, including reporting inaccurate or already paid debts to credit bureaus.

You should be cautious and verify any claims they make.

In closing, while no lawsuits have been identified, remember that dealing with frequent calls and incorrect debt reports may require you to stay vigilant and take steps to protect your financial health.

What Do People Online Say About 7635619120

People online have shared various comments about the number 7635619120. Here are some specific quotes from Reddit:

- User Android mentioned: 'Debt collection company with the number ‎7635619120.'
- Another user reported: 'This number constantly calls about medical debt collection. They are persistent but professional.'

Users suggest this number is associated with persistent debt collection efforts, mainly focusing on medical bills. The tone indicates general annoyance with frequent calls but acknowledges professionalism. If you receive calls from this number, it's likely related to medical debt collection, and they follow strict guidelines.

Overall, people online say 7635619120 is tied to medical debt collection, and while the frequent calls can be annoying, the collectors maintain a professional approach.

Do I Really Need To Remove 7635619120 From My Credit Report

Yes, you should consider removing the 7635619120 collection from your credit report if it's potentially inaccurate. Confirm first that it's on your report. Handling this on your own is time-consuming and energy-draining. Instead of hiring a typical credit repair company, which often has poor ratings and questionable practices, we advise you to reach out to a reputable company like The Credit Pros. A good credit repair company can significantly increase your chances of success.

Here’s what you should do:
• Confirm the collection is on your credit report.
• Determine if it's potentially inaccurate.
• Save time by contacting a reputable credit repair company.

As a final point, make sure you confirm the collection on your report, assess its accuracy, and consider reaching out to a trusted credit repair company to handle any inaccuracies efficiently.

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

Here are other formats 7635619120 can be written

- +1 763-561-9120
- +1 (763) 561-9120
- +1 763 561 9120
- (763) 561-9120
- 763-561-9120
- 763.561.9120
- 763 561 9120
- +17635619120
- (763) 561-9120
- 763.561.9120
- 7635619120

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 Reliance Recoveries 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.

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