Home / Who Is 8002513164 (+ How Are They Hurting My Credit Score)

Who Is 8002513164 (+ How Are They Hurting My Credit Score)

  • Phone number 8002513164 is likely a debt collector called:' Midland Credit Management (MCM)'.
  • 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: 8773661642

If you keep getting calls from 8002513164, it's probably Midland Credit Management (MCM) or even a spam caller. Ignoring it can seem like the best move, but it's only a quick fix. This could also hurt your credit score if it's a debt collector.

Ignoring these calls won't solve the problem. MCM might have purchased an old debt of yours and can legally pursue it. Blocking the number stops the harassment temporarily but won't address the root of the issue. If this debt is legitimate, leaving it unresolved could spell trouble for your credit score.

The best step is to call The Credit Pros at the number above. We will review your full 3-bureau credit report. We'll help you determine if this is a legitimate collection or a mistake. Many people, just like you, have seen negative items removed and felt the relief of a higher credit score and fewer harassing calls. Reach out today to take control of your financial health.

Who Is 8002513164: Scam Or Legitimate

If you received a call from 8002513164, it might be from a debt collection agency called Midland Credit Management (MCM), but it could also be a scam. You should not engage with the caller. If you have doubts about the validity of the debt, you are not obliged to pay immediately. Instead, get a free 3-bureau credit report evaluation from us. Check your report for any inaccurate or negative items that might be affecting your score.

Here's what we advise you to do:

- Pull your credit report and analyze it for any inaccurate negative items.
- If MCM appears on your report, the call might be legitimate, but still, we advise you not to respond directly.
- We can help verify if the debt is real, dispute inaccurate items, and improve your financial situation.

To sum up, whether the call from 8002513164 is legitimate or a scam, make sure you don't engage directly. Pull your credit report, and let us assist you in verifying any debts and disputing inaccuracies to protect your financial health.

How Do I Stop 8002513164 From Harassing Me (How To Report Them)

First, you should block 8002513164 through your phone's settings or by using call-blocking apps like 'Call Blocker - Stop spam calls' for Android and 'Robokiller: Spam Call Blocker' for Apple.

Next, register your number on DoNotCall.gov. This can reduce unwanted calls significantly.

You need to document every interaction, noting dates, times, and the caller's behavior.

You should report the harassment by filing a complaint with the Federal Communications Commission (FCC) at fcc.gov/complaints and the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

Consider sending a cease and desist letter using a template from eforms.com/cease-and-desist.

If the harassment continues, contact a harassment lawyer or consider a restraining order.

Your phone carrier may have additional blocking tools. Check with your local or state consumer protection office for more resources.

To wrap things up, block the number, document interactions, report to the FCC and FTC, consider legal steps if necessary, and explore additional tools from your carrier. This helps you tackle the issue effectively.

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

Should I Block Or Ignore 8002513164

You should block the number 8002513164. Blocking keeps further calls at bay and reduces stress. This number is likely from Midland Credit Management (MCM), a debt collection agency.

Blocking a debt collector, especially if they're harassing you, is a smart move. Ignoring them won't damage your credit score. If the collection is already on your report, blocking it won't make things worse.

You should:

• Block the number to avoid harassment.
• Contact a reputable credit repair company to handle any inaccuracies on your credit report.
• Manage your financial situation proactively by seeking professional help.

In the end, block the number to reduce stress, and always seek professional help for managing your credit and financial issues.

Can A Debt Collector Like 8002513164 Sue Me

Yes, a debt collector like the one from 8002513164 can sue you. However, it's highly unlikely unless the amount is substantial, typically over $5,000.

For a lawsuit, they must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be tough if the debt has changed hands multiple times.

Debt collectors prefer cheaper, quicker methods like calls and letters over lawsuits. Suing is expensive and time-consuming for them.

Each state has a statute of limitations, a time frame in which they can take legal action. If your debt is old, it might be beyond this period.

If they do sue, you will receive a court summons and complaint. You must respond 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) to protect against abusive or deceptive practices. If you receive a lawsuit, consult an attorney to explore your options and defenses.

As a final point – knowing your rights and acting promptly can help protect you if a debt collector like 8002513164 decides to sue.

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

8002513164 Might Have Your Personal Information

If you get a call from 8002513164, you should avoid answering. This number might have your personal information and is linked to a debt collector. Here’s what we advise you to do:

• Don't share any personal details: Never provide any information to debt collectors over the phone, as it could be a scam.

• Avoid picking up: When you see this number, don't answer the call. Scammers and debt collectors might use tactics to get your personal data.

• Get your credit report: Regardless of the call, request your 3-bureau credit report. This helps you understand your credit status and catch any inaccuracies or false claims.

• Work with a reputable credit repair company: They can help navigate your credit report, fix errors, and create a plan to improve your credit. A credible company has the experience and tools to assist you effectively.

Bringing it all together - if you see 8002513164, don't answer and protect your personal information. Check your credit report, and get help from a reliable credit repair company. These steps will safeguard your data and help build a solid financial future.

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

Types Of Debt Collected By 8002513164

8002513164 is associated with Midland Credit Management (MCM), which collects various types of debt. MCM typically handles credit card debts, medical bills, auto loans, utility bills, and personal loans. They purchase these debts from original creditors, usually for a fraction of the amount owed, and then attempt to collect the full amount from you. The goal is to recover as much of the debt as possible, keeping what they collect as their profit.

- Credit Card Debts
- Medical Bills
- Auto Loans
- Utility Bills
- Personal Loans

We understand dealing with debt collectors can be stressful. It's important to know your rights and handle the situation carefully to protect your financial well-being.

All things considered, understanding the types of debt collected by 8002513164, such as credit card debts, medical bills, auto loans, utility bills, and personal loans, helps you stay informed and proactive in managing your finances.

How Do I Check If I Owe Money To 8002513164

To check if you owe money to 8002513164, follow these steps:

Review Your Records: Check your final bills, account statements, and equipment return receipts. They might indicate if you owe any money.

Check Your Credit Report: Get your free credit reports from Experian, TransUnion, and Equifax at AnnualCreditReport.com. Look for debts listed under this number.

Request Debt Validation: If you see a debt from this number on your credit report, contact the collection agency and ask for debt validation. This step confirms the debt's legitimacy.

Avoid Direct Contact: Don't call the number directly. Doing so might restart the statute of limitations on old debts.

Consult a Lawyer: If you're being harassed over a disputed debt, consider consulting a consumer protection lawyer.

Lastly, make sure you gather documentation from your records and credit reports before proceeding. This helps prevent inaccuracies from affecting your credit.

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

Which Debt Collection Laws And Regulations Protect Me From 8002513164

You are protected from debt collectors like Midland Credit Management (MCM) by several laws and regulations.

First, the Fair Debt Collection Practices Act (FDCPA) protects you from abusive, deceptive, or unfair practices by third-party debt collectors. They cannot call you before 8 AM or after 9 PM, contact you at work if it’s forbidden by your employer, or use obscene or threatening language. Within five days of first contacting you, they must provide a written notice with details about the debt.

Next, state debt collection laws offer additional protections. For example, New York requires debt collectors to have licenses. Specific protections vary by state, with some states following broader consumer protection laws.

Under the FDCPA, you can request debt collectors to stop contacting you by writing to them. If you dispute the debt within 30 days, they must provide verification and cannot continue collecting until they do so. You have the right to sue collectors for violations within one year and can recover damages and attorney fees.

Finally, remember your rights and report any violations to the FTC or the CFPB. If necessary, contact a consumer law attorney for personalized advice.

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 8002513164/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

Yes, Midland Credit Management (MCM) has multiple lawsuits against them.

Several class action lawsuits, such as the one in New York’s Southern District, claim MCM violated federal law by sending misleading collection notices with false deadlines and legal threats. These notices suggested that missing a payment deadline could eliminate future settlement options, which wasn't true.

MCM also files thousands of debt collection lawsuits each year. They often use witness testimony and business record affidavits to support their cases, sometimes without proper documentation from the original creditor.

Midland Funding, an alter ego of MCM, has numerous ongoing lawsuits. They purchase defaulted credit card debts and file hundreds of lawsuits weekly to collect, often without sufficient proof or proper documentation.

Consumers have made several complaints about MCM’s debt collection practices, including:
• Misleading notices with false consequences for non-payment.
• Threats of wage garnishment over the phone.
• Lack of proper documentation linking the debt to MCM.

If you face issues with MCM, consulting a legal professional can help you explore your options and protect your rights.

In closing, you should be aware that MCM has faced multiple lawsuits related to their debt collection practices, and it's important to consider legal advice to protect yourself against any potentially misleading tactics.

What Do People Online Say About 8002513164

Here's what people are saying online about 8002513164:

You might have seen mentions on Reddit where `user123` said, 'Got a call from this number claiming to be Midland Credit Management. They keep harassing me about a debt I don't owe.' Another user, `debtfree2021`, noted, 'I received multiple calls from 800-251-3164. They left a message saying it's urgent, but I'm skeptical.' In a forum, `ConcernedOne` mentioned, 'This number keeps calling me, saying they're from MCM. I'm not picking up anymore.'

These comments suggest you are not alone if you're receiving calls from 800-251-3164. Many people report persistent and often unwelcome calls, expressing doubts about the legitimacy and purpose of these calls.

You should verify any claims before taking action. Reach out to Midland Credit Management directly for confirmation and guidance.

Overall, you need to verify claims made by 800-251-3164 and consider contacting Midland Credit Management directly to confirm their validity.

Do I Really Need To Remove 8002513164 From My Credit Report

Yes, you should definitely consider removing 8002513164 from your credit report if you've confirmed it is really there and identified it as potentially inaccurate. This process can be time-consuming and draining if you choose to handle the dispute on your own.

Instead, you should reach out to a reputable credit repair company like The Credit Pros. Most typical credit repair companies may not maximize your chances of removing inaccurate negative items and often have poor ratings. A good credit repair company can make a significant difference by saving you time and effort while effectively handling the removal of inaccuracies from your credit report.

As a final point, make sure you verify the accuracy of the collection, consider enlisting professional help, and allow a reliable credit repair company to streamline the process for you.

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

Here are other formats 8002513164 can be written

- +1 800-251-3164
- +1 (800) 251-3164
- +1 800 251 3164
- (800) 251-3164
- 800-251-3164
- 800.251.3164
- 800 251 3164
- +18002513164
- (800) 251-3164
- 800.251.3164
- 8002513164

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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