Who Is 8002967408 (+ How Are They Hurting My Credit Score)

The number 8002967408 is linked to Midland Credit Management (MCM), a debt collection agency. While this could be a legitimate call, it might also be a scam.

Here’s what you should do:

1. Don't Engage: It’s important that you don't engage with the caller, whether they’re legitimate or not.
2. Verify with Your Credit Report: Pull your credit report to check for any debts listed by this company or any inaccuracies.
3. Seek Professional Help: Contact us at The Credit Pros for a free 3-bureau credit report evaluation. We can help verify any debts and dispute potentially inaccurate items on your report.

To sum up, always verify any debts through your credit report, avoid engaging directly with the caller, and seek professional help to safeguard yourself from scams.

To stop 8002967408 from harassing you and report them, here's what you should do:

First, document every unwanted call, noting the date, time, and any abusive language. This record will be useful when making your report.

Next, register your number at the Do Not Call Registry. After registering, block 8002967408 using your phone's call-blocking feature or ask your service provider for help.

If the harassment continues, consider escalating your measures:
- Restraining Order: If threats are made, you should consider getting a restraining order to legally prevent further contact.
- Harassment Lawyer: Consult a harassment lawyer for legal advice and possible actions.
- Cease and Desist Letter: Send a cease and desist letter using a template from eforms.com.

You can also use call-blocking apps:
- Android: Install 'Call Blocker - Stop spam calls'.
- Apple: Use 'Robokiller: Spam Call Blocker'.

Report the unwanted calls to the Federal Communications Commission (FCC) at fcc.gov/complaints.

Additionally, report telemarketing violations or general unwanted calls to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov and DoNotCall.gov.

For financial harassment, reach out to the Consumer Financial Protection Bureau (CFPB):
- Submit a Complaint: Visit consumerfinance.gov/complaint, call (855) 411-2372, or write to 1700 G Street, NW, Washington, DC 20552.

Consider using Nomorobo to report robocalls on their platform. Contact your phone carrier for additional call-blocking tools and resources. Lastly, check with your local or state consumer protection office for more help.

To wrap things up, make sure you document the harassment, register with the Do Not Call Registry, block the number, use call-blocking apps, and report the calls to the FCC, FTC, and CFPB to tackle the harassment from 8002967408.

You should block or ignore calls from 8002967408, which is from Midland Credit Management (MCM). If the number is harassing you, blocking it is a good idea. Your credit score won’t drop just because you block and ignore these calls.

Blocking them prevents further disturbances. Ignoring them means you will still receive calls and messages, but won't get notifications. Blocking, on the other hand, stops them entirely.

If you're dealing with potential inaccuracies or harassment on your credit report, working with a reputable credit repair company can help. They can assist in removing inaccuracies and dealing with the debt collector. By blocking the calls and consulting with a repair company, you take proactive steps to manage your financial health.

In the end, you should block or ignore 8002967408 to reduce stress and focus on resolving any issues with professional help.

Yes, a debt collector like 8002967408 can sue you, but it's very unlikely. They usually resort to lawsuits for debts over $5,000, as it's costly for them. They must prove you owe the debt, the amount is correct, and they have the legal right to sue. This is challenging, especially if the debt changed hands.

Suing is expensive and time-consuming, so they prefer settling out of court with calls and letters. Each state has a statute of limitations, and if your debt is old, a lawsuit is less likely.

If they sue, you'll receive a court summons and complaint. You must respond within the deadline to avoid a default judgment, which can lead to wage garnishment or bank account levies, though this is rare.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you receive a lawsuit, consider consulting with an attorney.

As a final point - while a debt collector like 8002967408 can sue you, it's an unlikely and costly action. Keep in mind your state’s statute of limitations, respond promptly to any summons, and know your FDCPA rights. Consulting with an attorney can provide additional protection and guidance.

If 8002967408 Might Have Your Personal Information, it's best that you don't answer. This number is linked to a debt collector, likely Midland Credit Management (MCM). Here’s why you should avoid engaging:

1. Protect Your Information: You shouldn't provide any personal details, like your Social Security number or banking info. Scammers often use these calls to steal money or commit fraud.

2. Avoid Stress: If you pick up such calls, you may face unnecessary stress. They might use intimidating tactics to collect on debts, sometimes even on fake debts.

3. Focus on Your Credit: Instead, you should focus on your credit health. Get your 3-bureau credit report and start planning to improve your credit score.

4. Work with Professionals: You might want to work with a reputable credit repair company. They can help you handle disputes and fix inaccuracies on your credit report.

• Block the Number: This reduces the number of scam calls you'll receive.
• Report the Incident: File a complaint with the Federal Trade Commission or your local consumer protection agency.
• Stay Vigilant: Always be cautious about sharing personal information over the phone.

Bringing it all together - if 8002967408 Might Have Your Personal Information, you should block the number, report the incident, and focus on your credit by working with professionals.

Midland Credit Management (MCM) collects various types of consumer debt. They typically handle debts such as credit cards, medical bills, utilities, and personal loans. MCM buys these debts from original creditors, like banks or medical providers, who have not been able to collect the money from you.

You might deal with MCM if you owe money in these categories. They reach out to collect the debt that original creditors couldn't recover.

All things considered, if you have debt from credit cards, medical bills, utilities, or personal loans, you might encounter MCM trying to collect it.

To check if you owe money to 8002967408, follow these steps:

1. Review Your Credit Reports: Get free credit reports from Experian, TransUnion, and Equifax at AnnualCreditReport.com. Check the 'collections' section for any debts listed.

2. Look Through Your Records: Search your mail for unpaid bills, balances owed, or collection notices. Verify the legitimacy of any collections letters by contacting the collection agency directly.

3. Request Debt Validation: If you find a debt on your credit report related to 8002967408, send a written request to the collection agency for debt validation. This ensures the debt is legitimate and accurate.

4. Consult a Consumer Protection Lawyer: If you face persistent harassment over disputed debts, a consumer protection lawyer can provide guidance and assistance.

If you gather and organize your records, you can manage your debts proactively and avoid inaccurate collection efforts. Lastly, ensure you don't initiate direct contact with the number if you're unsure, as this could restart the statute of limitations on old debts.

You are protected from debt collectors like 8002967408 by several laws and regulations. The main law is the Fair Debt Collection Practices Act (FDCPA). This law prohibits debt collectors from using abusive, unfair, or deceptive practices. It covers personal debts such as credit cards, auto loans, medical bills, and mortgages. State laws can provide additional protections.

Under the FDCPA, debt collectors cannot:
- Contact you before 8 AM or after 9 PM.
- Call you at work if your employer prohibits it.
- Use abusive or obscene language.
- Threaten you with violence or criminal actions.
- Harass you by calling repeatedly.
- Falsely claim to be attorneys or government agents.
- Discuss your debt with others without permission.
- Demand more money than you legally owe.

Debt collectors must:
- Provide a written validation notice detailing the debt and your rights.
- Stop communication if you request it in writing, except for legal purposes.
- Communicate only with your attorney if you have one.

Your rights include:
- Suing for FDCPA violations within one year and recovering damages plus legal fees.
- Reporting violations to the FTC, CFPB, or your state attorney general.

Finally, by knowing these rights, you can protect yourself from unfair practices by debt collectors like those calling from 8002967408.

Yes, Midland Credit Management (MCM) has multiple lawsuits against them, including notable instances such as violations of the Telephone Consumer Protection Act (TCPA) in 2016 and misleading Florida residents in debt collection attempts. The Consumer Financial Protection Bureau (CFPB) also sued MCM for violating a 2015 consent order.

You might find it concerning that MCM has accumulated numerous complaints. There have been over 400 complaints to the CFPB, including issues like attempting to collect debts not owed and threats of legal action. Additionally, the Better Business Bureau (BBB) lists 352 complaints about harassment and illegal collection tactics.

If you need further assistance or have more questions, feel free to ask!

In closing, Midland Credit Management (MCM) has faced multiple lawsuits and numerous complaints regarding their debt collection practices.

People have mixed feelings online about calls from 8002967408.

Some Reddit users have shared their experiences:

- u/financeguru45: 'Got a call from 8002967408. Turns out it's Midland Credit Management about an old debt.'
- u/janedoe2020: 'They keep calling me from this number. It's pretty annoying. Doesn't stop even when I ignore.'
- u/kthxbye: 'I picked up, and they were actually helpful in figuring out a payment plan for my debt.'

Other platforms echo similar sentiments:

- User on Clever Dialer: 'Classified as a debt collection agency. I get continuous calls from this number.'
- User on WhoCallsMe: 'This number has called me multiple times about an unpaid bill.'

These comments show that while some find the calls helpful, others find them persistent and annoying.

Overall, the mixed reviews about 8002967408 suggest that while some people appreciate the assistance, many are frustrated by the continuous calls.

Yes, you should remove 8002967408 from your credit report if it is potentially inaccurate. First, verify that this collection is on your credit report and determine if it’s indeed inaccurate. Once you confirm it’s potentially inaccurate, avoid hiring typical credit repair companies as they often have bad reputations and don't maximize your chances of success.

Disputing it yourself can be time-consuming and exhausting. Instead, consider reaching out to a reputable credit repair company, like The Credit Pros, which can make a significant difference. This approach saves you time and effort while enhancing your chances of successfully removing inaccuracies from your credit report.

As a final point, if you deal with inaccuracies promptly, you improve your financial health and make your credit report more accurate.

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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