Home / Who is 8002762317 (+ how are they hurting my credit score)

Who is 8002762317 (+ how are they hurting my credit score)

  • Phone number 8002762317 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

Seeing 8002762317 pop up on your phone can be frustrating, especially if it's a debt collector like Midland Credit Management (MCM). This call might also be a scam that could harm your credit score if you ignore it. If MCM is calling, they probably bought your outstanding debt, and now they're trying to collect it. Ignoring it might give you temporary relief, but it's not a permanent fix.

Debt collectors often flood you with calls, using intermediaries. Blocking or ignoring doesn't solve the problem. Your best action is to contact The Credit Pros. With a simple, no-pressure call, we can review your entire three-bureau credit report. We'll confirm if MCM is calling and identify any other potential negative items affecting your score.

We've helped countless people like you remove potentially inaccurate negative items from their credit reports, leading to a higher credit score and a better financial situation. Plus, no more harassing calls! Don't let 8002762317 keep disrupting your life. Take control, and we'll guide you every step of the way.

Who Is 8002762317: Scam Or Legitimate

The phone number 800-276-2317 may belong to a debt collection agency, but it could also be a scam. Many people have reported spam calls from this number claiming to collect a debt. If you receive a call from this number, do not engage directly. You shouldn’t feel pressured to pay any debt immediately if you are unsure.

Here's what we advise you to do:
• Pull your credit report: Check for any inaccurate or negative items.
• Contact The Credit Pros: We can help you verify any debt, dispute inaccuracies, and improve your financial prospects.
• Block the number: To avoid further harassment, block the number.

Scammers often try to trick you into giving personal information or making payments through prepaid cards or wire transfers. Stay vigilant and let professionals handle these situations. We know dealing with this can be stressful, and we're here to help.

To sum up, if you get a call from 800-276-2317, do not engage directly. Pull your credit report, contact The Credit Pros for help, and block the number to avoid harassment.

How Do I Stop 8002762317 From Harassing Me (How To Report Them)

To stop 8002762317 from harassing you and report them, follow these steps:

First, document all unwanted interactions. Keep a detailed log of calls, including dates, times, and any abusive language used.

Next, register your number at DoNotCall.gov. It takes just 2 minutes. You should also block the number through your phone’s call-blocking feature or ask your service provider for help.

If the calls persist, take escalating measures:
- Consider getting a restraining order if threats escalate.
- Hire a harassment lawyer to assist, as this is against specific Federal and State laws.
- Send a cease and desist letter using a template from eforms.com/cease-and-desist.

Use call-blocking apps to prevent further calls:
- For Android: 'Call Blocker - Stop spam calls'
- For Apple: 'Robokiller: Spam Call Blocker'

Report the unwanted calls to the Federal Communications Commission (FCC) at fcc.gov/complaints. Select 'unwanted calls' and provide relevant details.

You can also report violations of the Do Not Call Registry to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or use the form at DoNotCall.gov.

Gather information and submit a complaint to the Consumer Financial Protection Bureau (CFPB):
- Online: Visit consumerfinance.gov/complaint.
- Phone: Call the CFPB at (855) 411-2372.
- Mail: Send a detailed letter to CFPB, 1700 G Street, NW, Washington, DC 20552.
- Track your complaint status online after submission.

If you use Nomorobo, report unwanted robocalls through their platform, and contact your phone carrier for additional call-blocking tools and options.

Lastly, check with your local or state consumer protection office for more resources or complaint mechanisms.

To wrap things up, document all interactions, register your number on the Do Not Call Registry, use call-blocking apps, and report the harassment to the FCC, FTC, and CFPB. Take legal action if necessary and seek assistance from your service provider and consumer protection agencies.

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

Should I Block Or Ignore 8002762317

You should block 8002762317. Blocking this number helps you avoid potential harassment, especially if it's a debt collector like Midland Credit Management. If you ignore them, you might still receive calls and messages but won't be notified. Blocking means they can't contact you at all, and your credit score will not drop just because you block and ignore them. If the debt is already on your report, blocking them can't hurt your score any further.

Here are some practical steps for you:

- Block the Number: This stops all calls and messages from them.
- Work with a Credit Repair Company: They can help you remove any potentially inaccurate negative items from your report.
- Know It's Safe for Your Score: Blocking won’t harm your credit score more if the debt is already listed.

Taking these steps can help reduce your stress and give you a clearer path forward.

In the end, block 8002762317 to avoid harassment, work with a credit repair company to fix your report, and remember that blocking won't further harm your score.

Can A Debt Collector Like 8002762317 Sue Me

Yes, a debt collector like 8002762317 can sue you, but it's usually a last resort. Lawsuits typically happen when the debt exceeds $5,000.

You need to know a few things:

• Proof and Verification: They must prove you owe the debt, the amount is correct, and they have the right to sue you.
• Cost and Effort: Lawsuits are expensive and time-consuming, so collectors prefer to settle out of court.
• Statute of Limitations: Each state has a timeframe for suing over debt. If the debt is old, they might not be able to sue.

Usually, you'll get calls and letters first. If they decide to sue, you will receive a court summons. Respond by the deadline to avoid a default judgment, which could lead to wage garnishment or bank levies.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you get sued, consider consulting with an attorney to understand your options and defenses.

As a final point, it's essential to know that while possible, lawsuits are unlikely, and you have rights and options to protect yourself.

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

8002762317 Might Have Your Personal Information

If you're getting calls from 8002762317, you should avoid giving them any of your personal information. Ideally, you shouldn’t even pick up. These types of calls often come from debt collectors like Midland Credit Management, who might be seeking payment for debts.

Here's what we advise you to do:
- Don’t answer or block the number: If you engage with them, you might face more aggressive attempts to collect debts.
- Get your 3-bureau credit report: Knowing your credit status from Equifax, Experian, and TransUnion provides a comprehensive view of any debts.
- Work with a reputable credit repair company: They can help you dispute inaccuracies on your report and guide you through improving your credit.

Talking to a trusted credit repair company offers professional advice and support, so you don’t have to face these stressful calls alone.

Bringing it all together – avoid engaging with 8002762317, block the number, check your 3-bureau credit report, and consult a trustworthy credit repair company for guidance and support.

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

Types Of Debt Collected By 8002762317

8002762317, likely associated with Midland Credit Management (MCM), collects various types of debt you might owe. They handle credit card accounts, medical bills, loans, and unpaid utility bills. MCM may buy your debt from original creditors or be hired to collect on their behalf. They follow regulations like the Fair Debt Collection Practices Act (FDCPA) to ensure fair practices.

You need to know that they can collect:
• Credit Card Accounts
• Medical Bills
• Various Loans (personal, auto, etc.)
• Unpaid Utility Bills

If MCM contacts you about your debt, you have specific rights under these regulations. Don't forget, you can verify the debt before paying anything.

All things considered, knowing the types of debt collected by 8002762317 helps you understand your rights and take the necessary action to manage any debts you might have.

How Do I Check If I Owe Money To 8002762317

To check if you owe money to 8002762317, start by following these steps:

First, review your own records. Look for final bills, account statements, or equipment return receipts related to old accounts. This can help you identify any legitimate debt linked to you.

Next, review your credit report. Use a credit reference agency (CRA) to check your credit file for defaults, County Court Judgments (CCJs), and decrees. This might show entries by Midland Credit Management (MCM) related to the debt.

If you see a debt linked to 8002762317 on your credit report, request debt validation from the collection agency. They must provide proof that the debt is yours.

Avoid calling the number directly, as this can restart the statute of limitations on old debts. Communicate in writing if necessary.

Lastly, if you feel harassed or there's a dispute over an invalid debt, seek legal advice from a consumer protection lawyer. Gathering evidence and documentation before reaching out is crucial to prevent inaccurate collection efforts from affecting 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 8002762317

You are protected by several laws and regulations from unfair practices by debt collectors like the one calling from 8002762317. The main law is the Fair Debt Collection Practices Act (FDCPA). This federal law forbids third-party debt collectors from using abusive, deceptive, or unfair methods to collect personal, family, or household debts, such as credit cards, auto loans, and medical bills.

Under the FDCPA, debt collectors:
• Cannot contact you before 8 AM or after 9 PM.
• Must avoid contacting you at work if your employer disallows it.
• Are prohibited from using abusive language, making threats, or harassing you.

They must also:
• Send you a written validation notice of your debt, including the amount owed and your right to dispute it.
• Stop collection efforts until they provide verification if you dispute the debt in writing within 30 days.

Additionally, state laws may offer extra protections. Some states require debt collectors to be licensed or follow stricter conduct rules. If your rights are violated, you can report the collector to the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general. You can also sue the collector within one year of the violation and potentially recover damages and attorney fees.

We advise you to keep records of all communications and report any violations immediately. If you need further assistance, contact The Credit Pros for guidance.

Finally, knowing your rights under the FDCPA and state laws can help you manage debt collection efforts effectively and reduce the stress associated with them.

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 8002762317/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

Yes, Midland Credit Management (MCM) has several lawsuits and official complaints against them.

1. Telephone Consumer Protection Act (TCPA) Violation (2016): MCM was sued for violating TCPA regulations regarding unsolicited calls.
2. Florida Resident Case: MCM was sued for misleading consumers in their debt collection attempts, infringing the consumer's 'bill of rights.'
3. CFPB Lawsuit: The Consumer Financial Protection Bureau (CFPB) sued MCM and its parent companies for violating a consent order from a 2015 judgment.
4. Elizabeth Rios Case (2022): MCM sought a default judgment for non-payment of debt, but the court dismissed the case due to a delay in filing the motion, despite COVID-19 tolling provisions.

Official Complaints:
• Better Business Bureau (BBB): There are 264 complaints in the past three years, including 105 in the past year.
• Consumer Financial Protection Bureau (CFPB): There are 400 complaints in the past year, highlighting issues like debt collection for debts not owed, legal threats, inaccurate reporting, and misuse of credit reports.

These legal actions and complaints highlight illegal tactics and misconduct in Midland’s debt collection practices. If you’re dealing with them, be cautious and consider seeking legal advice.

In closing, MCM faces multiple lawsuits and numerous complaints highlighting their questionable debt collection tactics. Be cautious and seek legal advice if you need help dealing with them.

What Do People Online Say About 8002762317

People online have mixed opinions about the phone number 800-276-2317. Here's what you should know:

From Reddit:
- 'On Monday I got a call from an Unknown number. I decided to answer it, and a lady was on the phone. She asked for my wife, which I asked immediately what it’s in reference to. She said a civil complaint was filed regarding a lien and she owed money on a bank account she had in 2012 and closed with a negative balance.' - u/[username]

From Robokiller, a scam reporting service:
- 'Harassment by as'
- 'No message left on answering machine'
- 'Never had an account with this company'
- 'This is one of thousands of numbers used by the Scumbag Bill Collectors at Midland Credit Management'
- 'Blocked'
- 'Fake phantom debt collection scam by madarchod criminals phoning from India.'

The responses are split between those who report harassment and scam attempts, and those who directly identify it with Midland Credit Management (MCM), a legitimate debt collection agency. You might see users saying no message was left or they were contacted about debts they don’t recognize, suggesting potential issues with incorrect information or scam tactics. Others note the number as one of many used by Midland Credit Management, showing its link to widespread collection efforts.

Overall, you need to be cautious with 800-276-2317 as opinions vary, with some pointing to scams and others identifying it with Midland Credit Management.

Do I Really Need To Remove 8002762317 From My Credit Report

Yes, you need to remove 8002762317 from your credit report if it's listed as 'potentially inaccurate.' Here's what you should do:

First, verify the accuracy of the collection on your credit report. Ensure there are no inaccuracies. Next, avoid using typical credit repair companies, as many are poorly rated and ineffective. Instead, consider disputing the information on your own, though be aware this can be time-consuming and frustrating.

Alternatively, you might save time and effort by using a reputable credit repair company like The Credit Pros. They can help you handle and potentially remove negative items effectively.

As a final point, make sure your credit report reflects accurate information to protect your financial health. Verify the accuracy, consider your options, and take action to resolve any discrepancies.

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

Here are other formats 8002762317 can be written

- +1 800-276-2317
- +1 (800) 276-2317
- +1 800 276 2317
- (800) 276-2317
- 800-276-2317
- 800.276.2317
- 800 276 2317
- +18002762317
- (800) 276-2317
- 800.276.2317
- 8002762317

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

Privacy and Cookies
We use cookies on our website. Your interactions and personal data may be collected on our websites by us and our partners in accordance with our Privacy Policy and Terms & Conditions