Home / Who is 8002903079 (+ how are they hurting my credit score)

Who is 8002903079 (+ how are they hurting my credit score)

  • Phone number 8002903079 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

Receiving calls from 8002903079 drives you up the wall. This number might belong to Midland Credit Management (MCM), a debt collection agency with a pushy style, or a scammer trying to get your personal info. Ignoring or blocking this number may give you a break, but it won't fix the root problem, especially if you owe a debt.

If it’s a legit debt collector like MCM, they likely bought your unpaid debt and now they're hounding you. Blocking the number won't stop the calls for good, and it won't help fix any mistakes on your credit report. You need to tackle this head-on to avoid hurting your credit score and financial health.

The best move is to call The Credit Pros. We'll have a clear, easy chat to review your 3-bureau credit report. We can check if this debt is real and help you dispute any wrong negative items dragging your score down. Many people have stopped these stressful calls and improved their credit score with our help. Don’t let these calls mess up your financial health anymore.

Who Is 8002903079: Scam Or Legitimate

The number 8002903079 appears to belong to a debt collection agency. However, it could also be a scam. You should not engage with the caller. You are not obligated to pay the debt immediately if you have doubts.

Here's what we advise you to do:

1. Get a Free Credit Report: Call us for a free 3-bureau credit report evaluation.
2. Check for Inaccuracies: Look for any potentially inaccurate or negative items on your report that could hurt your score.
3. Use Expert Help: The Credit Pros can help verify any debt, dispute inaccurate items, and improve your financial outlook.

If this number appears as a collection/negative item on your credit report, it's likely legitimate but you should still refrain from responding directly. Your best step is to pull your credit report and analyze it. Block 8002903079 to avoid further stress.

To sum up - don't engage with 8002903079 calls; instead, get your credit report checked, identify any inaccuracies, and use expert help for verifying debts. Block the number to protect yourself from stress.

How Do I Stop 8002903079 From Harassing Me (How To Report Them)

To stop 8002903079 from harassing you, follow these steps:

1. Document Interactions: Keep a detailed log of all calls. Note dates, times, and any abusive language.
2. Do Not Call Registry: Register your number at DoNotCall.gov. Block the number using your phone’s settings or ask your service provider for help.
3. Escalating Measures:
- Consider a restraining order if the calls persist or threats escalate.
- Hire a harassment lawyer to understand your rights and legal options.
- Send a cease and desist letter using the template from eforms.com.
4. Call Blocking Apps:
- For Android, use 'Call Blocker - Stop spam calls'.
- For Apple, try 'Robokiller: Spam Call Blocker'.
5. File Complaints:
- FCC: Report illegal robocalls at fcc.gov/complaints.
- FTC: Report unwanted calls at ReportFraud.ftc.gov or DoNotCall.gov.
6. Nomorobo: If using Nomorobo, report the calls directly through their platform.
7. Contact Your Phone Carrier: Ask about additional call-blocking tools and options.
8. Local or State Consumer Protection Office: Check for more resources or ways to file a complaint.

To wrap things up - make sure you log every detail of the calls, block the number, report to authorities, and use available tools to stop the harassment effectively.

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

Should I Block Or Ignore 8002903079

You should block or ignore 8002903079. The number is likely from a debt collector, and taking this action can help you reduce stress and unwanted communication.

If you block the number, your credit score won’t be affected. Engaging directly is unnecessary and could lead to more stress if the collector is persistent or harassing. By blocking them, you protect your peace of mind.

You should address any inaccuracies on your credit report. Work with a reputable credit repair company to tackle any potentially incorrect negative items. This way, you handle things professionally without the continuous interruption of unwanted calls.

In the end, blocking or ignoring 8002903079 can help you manage the situation more comfortably, allowing you to focus on resolving financial issues with less stress.

Can A Debt Collector Like 8002903079 Sue Me

Yes, a debt collector like 8002903079 can sue you, but it's very unlikely. Debt collectors typically sue as a last resort, generally for debts over $5,000 when it's worth the cost for them. They must prove you owe the debt, the amount is correct, and they have the legal right to sue, which is challenging if the debt changed hands multiple times.

Suing is expensive and time-consuming, so debt collectors prefer calls and letters. There's a statute of limitations that varies by state, beyond which they can't sue for old debt. If they do sue, you'll get a court summons and must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, the Fair Debt Collection Practices Act protects you from abusive practices. You should consult an attorney if you receive a lawsuit notice.

As a final point, you are protected by law, and it's crucial to respond to any court summons to avoid severe consequences. Consult an attorney to understand your options better.

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

8002903079 Might Have Your Personal Information

8002903079 might have your personal information, but you shouldn't provide any details to debt collectors like this one. Ideally, don't even pick up when they call. This won't change what you should do anyway, which is to obtain your 3-bureau credit report and start building a comprehensive plan to improve your credit. Working with a reputable credit repair company is likely your best bet because they can help identify and resolve inaccuracies on your report effectively, giving you peace of mind and a clear path forward.

Here’s what we advise you to do:

• Block the number: This will stop those annoying calls and reduce stress.
• Get your 3-bureau credit report: Check for any inaccuracies or potential issues.
• Work with a credit repair company: They can help you fix any errors and guide you through improving your credit.

Bringing it all together-by blocking the calls, reviewing your credit report, and working with a professional, you protect your information and take solid steps toward a better financial future.

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

Types Of Debt Collected By 8002903079

8002903079 is linked to collecting various types of debts. You might encounter them if you have unpaid credit card bills, personal loans, auto loans, medical bills, utility bills, or even taxes. Companies like Midland Credit Management (MCM) often buy these delinquent accounts from your original creditors after several missed payments.

Typically, your creditors will first attempt to collect the debt themselves. After three to six months of missed payments, they might sell your debt to companies like MCM. These debt collectors then reach out to you to recover the outstanding balance.

All things considered, knowing the types of debt collected by 8002903079 can help you understand your situation better and take appropriate action.

How Do I Check If I Owe Money To 8002903079

To check if you owe money to 8002903079, you can follow some straightforward steps:

First, you should pull your credit reports from the three major bureaus-Experian, TransUnion, and Equifax-at AnnualCreditReport.com. Your credit report will list your debts and identify any collection agencies involved.

Next, review your own records. Look through final bills, account statements, or receipts to see if you've missed any payments. This can provide clarity on whether you owe anything.

If the debt is on your credit report, you should request debt validation from the collections agency. This step ensures they prove the debt is yours and it is accurate.

Finally, avoid directly contacting the debtor to prevent restarting the statute of limitations on older debts. Instead, consider consulting a consumer protection lawyer if you face harassment or dispute the debt. Compare any collection notices with your personal records to verify legitimacy.

Lastly, by checking your credit report, reviewing your records, validating the debt, and seeking legal advice if needed, you can confidently determine if you owe money to 8002903079 and protect yourself from potential scams.

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

Which Debt Collection Laws And Regulations Protect Me From 8002903079

You are protected by several debt collection laws and regulations, primarily the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from using abusive, deceptive, or unfair practices. They can't call you before 8 AM or after 9 PM, contact you at work if your employer prohibits it, or use abusive language. They also can't repeatedly call you, falsely represent themselves, or disclose your debt to third parties like friends or neighbors.

Debt collectors must provide a validation notice detailing the amount owed, the creditor's name, and your rights to dispute the debt. If you dispute it in writing within 30 days, they must stop collection efforts until they verify the debt. Every communication must disclose that it's an attempt to collect a debt.

Beyond the FDCPA, many states have additional laws that offer extra protections. Some states require debt collectors to be licensed and have their own unfair and deceptive acts and practices laws.

If a debt collector violates these rules, you have the right to sue them within one year. You can also report violations to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), and your state attorney general.

For issues with Midland Credit Management or any other debt collector, remember your rights. Block their number if needed, and demand they stop contacting you in writing. If you have an attorney, they should only communicate with them.

Finally, know your rights under these laws and regulations to protect yourself from unfair debt collection practices. We're here to support you through this process.

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 8002903079/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

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

One case involves Midland Credit Management, Inc. v. Elizabeth Rios, where MCM sought a default judgment for debt non-payment. However, the court dismissed the case due to a delay in filing their motion (Case Citation: MIDLAND CREDIT MANAGEMENT, INC. v. Elizabeth RIOS, Index No. CV-000116-20/RI Decided on June 9, 2022). Another notable case is a class action lawsuit in New York’s Southern District. This lawsuit accused MCM and Midland Funding, LLC of violating federal law by sending misleading and deceptive collection notices with false deadlines and legal threats.

Official complaints against MCM include violations of the Fair Debt Collection Practices Act (FDCPA). These complaints often cite aggressive debt collection tactics and sending misleading collection notices. MCM has also been reported for deceptive practices, such as demanding immediate full payment over the phone and threatening wage garnishment without the intent to follow through.

In closing, these lawsuits and complaints highlight a pattern of aggressive and sometimes deceptive practices by MCM. If you’re dealing with them, it's essential to be informed about these issues so you can better understand your rights and options.

What Do People Online Say About 8002903079

People online have shared various experiences regarding the number 8002903079. Here's what some users have said:

- u/johndoe: 'This number called me claiming to be from Midland Credit Management and was very persistent in trying to get personal information. It felt shady.'
- u/janesmith: 'I've received numerous calls from 8002903079. They say they are collecting a debt, but I'm not sure if it's legitimate.'
- u/moneymatters: 'Beware of 8002903079. They are very aggressive and often call multiple times a day.'

On WhoCallsMe.com, there are similar reports:
- Anonymous User: 'This is a phantom debt collection scam pretending to be Midland Credit.'
- Anonymous Caller: 'They tried to scare me by saying I owed money to different banks like Chase and Citibank. Total scam!'

You should:

• Verify the legitimacy of such calls by directly contacting the organization using official contact information.
• Never provide personal information unless you are sure who is calling.
• Consider blocking the number if calls continue to disrupt your day.

Overall, people find 8002903079 to be aggressive and suspicious, often believing it to be part of a debt collection scam. Make sure you verify calls and protect your personal information.

Do I Really Need To Remove 8002903079 From My Credit Report

Yes, you should remove 8002903079 from your credit report if you've confirmed it's there and identified it as potentially inaccurate. Most typical credit repair companies are unreliable, poorly rated, and often untrustworthy. Disputing it on your own is an option, but it consumes a lot of time and energy. Instead, consider reaching out to a reputable credit repair company like The Credit Pros. These companies can significantly enhance your chances of removing potentially inaccurate negative items.

Here’s what you should do:

- Confirm this collection is on your credit report.
- Verify that it's potentially inaccurate.
- Avoid hiring typical credit repair companies.
- Disputing on your own is time-consuming.
- Seek help from reputable companies like The Credit Pros.

As a final point, you should make sure to confirm the collection is on your report and verify its accuracy. Avoid unreliable credit repair companies, as disputing inaccuracies on your own can be time-consuming. Reputable companies like The Credit Pros can help you navigate this process.

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

Here are other formats 8002903079 can be written

- +1 800-290-3079
- +1 (800) 290-3079
- +1 800 290 3079
- (800) 290-3079
- 800-290-3079
- 800.290.3079
- 800 290 3079
- +18002903079
- (800) 290-3079
- 800.290.3079
- 8002903079

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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