Home / Who is 8002896435 (+ how are they hurting my credit score)

Who is 8002896435 (+ how are they hurting my credit score)

  • Phone number 8002896435 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.
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Main phone number related with this page is: 8773661642

Calls from 800-289-6435 might come from a debt collector like Midland Credit Management (MCM) or possibly a scammer. Ignoring these calls might seem like a quick fix, but it won't solve the underlying issue. Answering such spam risk calls can actually protect your credit score and help you avoid potential lawsuits.

If 800-289-6435 is indeed a debt collector, it means they bought your outstanding debt and are now trying to collect it. Midland Credit Management (MCM) often deals with delinquent debts like credit cards, medical bills, and personal loans. Blocking the number might stop the harassment temporarily but won't fix the problem. Instead, you need to address the debt directly.

The smartest move is to contact The Credit Pros right away; their number is listed above. They'll review your entire 3-bureau credit report and confirm if this is a legitimate debt. Many people have successfully removed potentially inaccurate items from their credit reports with their help, boosting their credit scores and alleviating financial stress. By doing this, you'll not only stop those calls, but also improve your financial health.

Who Is 8002896435: Scam Or Legitimate

The number 800-289-6435 might be from a debt collection agency, but it could also be a scam. It's important that you don't engage directly with the caller. You should not pay any debt immediately if you have doubts about its legitimacy. Instead, get a free 3-bureau credit report evaluation. This will help you check your report for any negative items that could harm your score.

Here's what we advise you to do:

• Block the number to avoid future calls.
• Review your credit report for any inaccuracies.
• Contact The Credit Pros to help verify and dispute any questionable debt.

To sum up, block the number, check your credit report for errors, and seek help from The Credit Pros to resolve any issues.

How Do I Stop 8002896435 From Harassing Me (How To Report Them)

To stop the number 8002896435 from harassing you, try these steps:

First, document every call. Note dates, times, and any abusive language used. This gives you evidence for reporting.

Next, add your number to the Do Not Call Registry at DoNotCall.gov. Use your phone's call-blocking feature or ask your provider for help.

For escalating measures, consider:
- Restraining orders if calls become threatening.
- Hiring a harassment lawyer to understand and pursue legal action.
- Sending a cease and desist letter via a template from eforms.com.

You might also want to use blocking apps:
- For Android, try 'Call Blocker - Stop spam calls'.
- For Apple, use 'Robokiller: Spam Call Blocker'.

You can report to the FCC at fcc.gov/complaints or the FTC at ReportFraud.ftc.gov for violations of the Do Not Call Registry.

For financial harassment, contact the CFPB via consumerfinance.gov/complaint or call (855) 411-2372.

Lastly, use Nomorobo to report robocalls and check with your phone carrier for additional blocking tools.

To wrap things up, document each call, register with the Do Not Call Registry, use blocking apps, report to relevant authorities, and explore legal options if necessary. We understand this is stressful; taking these steps can help you reclaim your peace.

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

Should I Block Or Ignore 8002896435

You should block the number 8002896435 to avoid potential harassment. Blocking stops the calls completely, whereas ignoring them might mean continued disturbances and stress.

Blocking this number won't affect your credit score. If they are a debt collector and the debt is already on your credit report, blocking the calls won't cause further damage. You must address any inaccuracies on your credit report to maintain a healthy credit score.

To address any credit report issues, work with a reputable credit repair company. They can handle inaccuracies and disputes, allowing you to block the number and reduce stress effectively.

In the end, blocking 8002896435 helps you avoid harassment, it doesn't impact your credit score, and partnering with a reputable credit repair company can resolve any report issues.

Can A Debt Collector Like 8002896435 Sue Me

Yes, a debt collector like 8002896435 can sue you, although it’s typically a last resort. Debt collectors such as Midland Credit Management (MCM) often pursue lawsuits only for substantial amounts, usually over $5,000. They must prove you owe the debt, the amount is correct, and they have the legal right to sue, which isn't always easy if the debt has been transferred multiple times.

Debt collectors usually prefer less costly methods like calls and letters. Each state has a statute of limitations that limits the time frame within which they can sue you. If your debt is old, it might be beyond this period.

If sued, you’ll receive a court summons and complaint. It's crucial that you respond within the specified 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) to protect you from abusive practices. If you receive a lawsuit, consult with an attorney for guidance. Always dispute the debt in writing if you believe it is incorrect or not owed.

As a final point, remember that while being sued by a debt collector like 8002896435 is possible, it's rare. Ensure you respond promptly, understand your rights, and seek professional help 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

8002896435 Might Have Your Personal Information

If you get a call from 8002896435, it's best not to answer. This number might be linked to a debt collector who already has some of your personal information. Engaging them can lead to more stress and potential misinformation. Instead, you should focus on obtaining your 3-bureau credit report. This will give you a clear picture of your credit status and any outstanding debts.

We recommend working with a reputable credit repair company to help you dispute inaccuracies and create a plan to improve your credit. By taking these steps, you can be more effective and less stressed than dealing with debt collectors directly.

• Don't provide any information to debt collectors like this one.
• Avoid picking up their calls.
• Obtain your 3-bureau credit report.
• Start building a comprehensive credit improvement plan.
• Work with a reputable credit repair company for the best results.

You should block the number to avoid further stress and potential scams. Then, contact a credit repair company to help you handle any inaccuracies or disputes on your credit report. They will guide you through the process and support you in improving your credit score.

Bringing it all together-block the number from 8002896435, get your credit report, and work with a reputable company to dispute inaccuracies and improve your credit for a stress-free approach.

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

Types Of Debt Collected By 8002896435

8002896435, associated with Midland Credit Management (MCM), collects various types of debt. They primarily deal with:

• Credit card debts
• Medical bills
• Personal loans
• Utility bill arrears

They may collect on behalf of original creditors or purchase delinquent debts at a discount, attempting to recover the full amount. You should be aware of your rights and options when dealing with debt collectors.

All things considered, knowing the types of debt collected by 8002896435 helps you understand your situation better and prepares you to manage your finances more effectively.

How Do I Check If I Owe Money To 8002896435

First, don’t call 800-289-6435 or pay anything until you’re sure about the debt. Contacting them might reset the statute of limitations on old debts.

Check your records for any final bills, account statements, or receipts. This might help you identify the debt in question. Next, review your credit report for free at AnnualCreditReport.com. Look for any debts assigned to Midland Credit Management (MCM), which might be the company behind this number.

If you find a debt from MCM, request debt validation from them. This ensures the debt is legitimate and accurate. If you believe the debt is incorrect or if you're experiencing harassment, consult a consumer protection lawyer.

Lastly, if you're unsure or need persistent help, consider hiring a reputable credit repair company. Gather documentation and take proactive steps to handle this issue without falling for scams or incorrect collection efforts.

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

Which Debt Collection Laws And Regulations Protect Me From 8002896435

You are protected by several laws and regulations from debt collectors like 8002896435.

You benefit from the Fair Debt Collection Practices Act (FDCPA), which:
- Prohibits abusive, deceptive, or unfair practices.
- Covers personal, family, and household debts, like credit cards, auto loans, and medical bills.
- Stops calls before 8 AM or after 9 PM and prevents repeated calls to harass you.
- Ensures they can't contact you at work if your employer doesn't allow it.

Many states offer additional protections. Some have strict licensing requirements for debt collectors. You should check your state's specific laws.

Debt collectors must avoid:
- Abusive language, threats, or false representations.
- Disclosing your debt to third parties without your consent.
- Demanding larger payments than legally allowed.

They must also send you a validation notice with details of the debt and your rights to dispute it within 30 days. If you dispute the debt, they must verify it before they can continue collecting.

You can exercise your rights by:
- Requesting in writing that they stop contacting you.
- Ensuring they contact your attorney if you have one.
- Suing for FDCPA violations and reporting them to the FTC, CFPB, or your state attorney general.

Finally, dealing with debt collectors like 8002896435 can be stressful. Block their calls and know your rights to protect yourself.

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 8002896435/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

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

Some key cases include:
• Midland Credit Management, Inc. v. Elizabeth Rios: MCM sought a default judgment, but the court dismissed the case due to MCM's unreasonable delay. (Index No. CV-000116-20/RI, Decided June 9, 2022).
• Class Action Complaint in New York’s Southern District: This lawsuit alleges MCM sent misleading collection notices with false deadlines and legal threats.
• Fair Debt Collection Practices Act Violation: MCM has a history of aggressive and deceptive collection practices, as highlighted in various lawsuits.

These lawsuits suggest that if you’re dealing with MCM, you should stay informed and consider seeking legal advice to protect your rights.

In closing, MCM has been involved in several lawsuits due to their aggressive and sometimes deceptive debt collection practices. Make sure you stay informed and seek legal advice if needed.

What Do People Online Say About 8002896435

People online have mixed feelings about calls from 800-289-6435. Here's what some Reddit users say:

1. User 'Javelin_123': 'I keep getting calls from 800-289-6435, and it's always the same script about debt collection. Super annoying.'
2. User 'DebtFreeSoon': '800-289-6435 called me about a debt I already paid off. Definitely do your research before paying anything.'
3. User 'FrustratedWithCalls': 'I made them put me on the Do Not Call list after several calls from 800-289-6435. Make sure you do the same.'

You might find these calls irritating due to the repeated scripts. It’s crucial that you verify any debt claims before making payments. Also, you can ask to be added to the Do Not Call list to stop further calls.

Overall, many people online recommend verifying debt claims and blocking the number if the calls from 800-289-6435 persist.

Do I Really Need To Remove 8002896435 From My Credit Report

Yes, you should remove 8002896435 from your credit report if it’s potentially inaccurate. First, confirm that this collection appears on your credit report. Instead of hiring common credit repair companies known for poor performance, reach out to a reputable company like 'The Credit Pros'. Handling disputes on your own can be time-consuming, so let trustworthy experts take care of it.

• Verify the collection appears on your credit report.
• Confirm it’s potentially inaccurate.
• Avoid typical credit repair companies with bad reputations.
• Contact a reputable firm like 'The Credit Pros'.
• Save time by letting experts handle the dispute.

Remember, accurate negative items stay on your report for seven years unless proven incorrect. Stay proactive by frequently checking your reports for errors.

As a final point, if you need to remove 8002896435 from your credit report, verify its accuracy, avoid untrustworthy companies, and let reputable experts handle it to save time and effort.

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

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- 800 289 6435
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- 8002896435

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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