Who is 8002990523 (+ how are they hurting my credit score)

The number 800-299-0523 likely belongs to a debt collection agency but could also be a scam. You should not engage with the caller. You are not obligated to pay the debt right away if you're unsure about its legitimacy.

Here's what we advise you to do:
- Get your free 3-bureau credit report evaluation from us.
- Look for any inaccurate negative items on your report that might harm your score.
- Pull your credit report and check it thoroughly.

If this number shows up as a collection or negative item, it might be legit, but still, you shouldn't respond. Our team at The Credit Pros can help you verify any debt claimed by this caller, dispute inaccurate items, and improve your financial outlook.

Remember, block the number to avoid further stress, and let us help you handle this situation.

To sum up, do not engage with the caller from 800-299-0523. Instead, get your credit report, verify any debt, and let us help address inaccuracies and protect your financial well-being.

To stop 8002990523 from harassing you and report them, follow these steps:

First, document all unwanted interactions by keeping a detailed log of calls, noting dates, times, and any abusive language used. Then, register your number at DoNotCall.gov. This process only takes a couple of minutes. You should also block the number using your phone’s call-blocking feature or by contacting your service provider for assistance.

Consider using call-blocking apps to stop these calls:
• For Android, 'Call Blocker - Stop spam calls'.
• For Apple, 'Robokiller: Spam Call Blocker'.

Report the number to authorities. File a complaint with the FCC at fcc.gov/complaints, choosing 'unwanted calls' as the issue and providing all relevant details. Report the harassment to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.

If the calls persist, send a cease and desist letter using this template. You can also consult a harassment lawyer to evaluate your case or consider obtaining a restraining order through your local court.

Lastly, contact your phone carrier to inquire about their call-blocking tools and options.

To wrap things up - remember to document everything, register with the Do Not Call Registry, use call-blocking apps, report to the FCC and FTC, and consider legal actions if necessary to stop and report 8002990523 from harassing you.

You should block 8002990523. If you ignore them, you could receive more disruptive calls. Blocking the number ensures you won't get any calls or messages from it, helping to reduce stress and eliminate unwanted communication.

Your credit score won't be affected by blocking or ignoring the number. However, it is crucial that you address any inaccuracies on your credit report, especially if the caller is from a debt collector like Midland Credit Management (MCM). Working with a reputable credit repair company can help you handle any disputes or inaccuracies effectively.

To recap:
- Block the number to avoid stress and unwanted communication.
- Blocking or ignoring the number won't hurt your credit score.
- Work with a credit repair company for any credit report issues.

In the end, blocking 8002990523 helps you avoid unnecessary stress and unwanted calls, while addressing any credit report issues ensures your financial health remains intact.

Yes, a debt collector like 8002990523 can sue you for unpaid debt, although this is usually a last resort. Before filing a lawsuit, they will typically try to collect what you owe through calls and letters. Suing is costly and time-consuming, so collectors often prefer to settle out of court.

For a lawsuit to proceed, the debt collector must prove that you owe the debt and that they have the legal right to sue you. This can be difficult, especially if the debt has been sold multiple times. Most collectors pursue legal action only for substantial debts, often over $5,000. Additionally, older debts might be past your state's statute of limitations, making a lawsuit less likely.

If you are sued, you will receive a court summons. It's crucial that you respond to avoid a default judgment, which can lead to wage garnishment or bank account levies. You have rights under the Fair Debt Collection Practices Act (FDCPA), so consulting an attorney is a wise step if you face a lawsuit.

As a final point, remember that while a debt collector like 8002990523 can sue you, it’s unlikely unless the debt is substantial. Respond to any court summons and consider legal advice to protect your rights.

Don't provide any information to debt collectors like 8002990523. You should avoid picking up when they call, as they might gather personal info you'll regret sharing. Block the number to stop these calls.

Get your 3-bureau credit report and start building a plan to improve your credit. Working with a reputable credit repair company can help you handle inaccuracies or disputes on your credit report effectively.

You can also:
• Enroll in credit-monitoring and identity-protection services.
• Monitor your account statements for any errors or suspicious activities.
• Consider putting a credit freeze or fraud alert on your credit report.

Bringing it all together, block 8002990523, check your credit report, and take steps to protect your personal information and improve your credit.

8002990523 collects various types of debt, including overdue credit card balances, medical bills, personal loans, and unpaid utility bills. You might deal with them if your debt is around 120 days past due since they often acquire debt from creditors who sell delinquent accounts.

If you've been contacted, it's likely about one of these debt types. Ignoring these communications might lead to continuous follow-ups, so it's crucial that you address any inquiries you receive from them. Remember, you have the right to request verification of the debt before taking any action.

All things considered, if 8002990523 contacts you, they're likely attempting to collect overdue debts like credit cards, medical bills, personal loans, or utility bills. Make sure you verify and address these debts promptly to avoid further issues.

To check if you owe money related to the number 8002990523, start with these steps:

First, check your records. Look through old bills, account statements, or receipts to identify any potential outstanding debts linked to this number.

Next, review your credit report. Use a credit reference agency like Experian, Equifax, or TransUnion. Your credit report will list any debts, including defaults or judgments.

If you find a debt linked to 8002990523, request debt validation from the collection agency. They must provide proof that the debt is yours.

Consult a consumer protection lawyer if you're facing harassment or believe the debt is incorrect. A lawyer can offer specific advice and assistance.

It's important that you avoid direct contact with the collection agency initially. Reaching out prematurely can reset the statute of limitations on old debts. Gather and verify information before taking any action.

Lastly, make sure you compile all relevant documentation from your records and credit reports to take informed and decisive steps.

Debt collection laws and regulations that protect you from calls like those from 800-299-0523 include the Fair Debt Collection Practices Act (FDCPA) and state laws. The FDCPA is the main federal law that prevents debt collectors from using abusive, deceptive, or unfair practices. It covers personal debts like credit cards, auto loans, medical bills, and mortgages.

Here's how the FDCPA protects you:
- Collectors can't call before 8 AM or after 9 PM.
- They can't call you at work if your employer doesn't allow it.
- No use of profane or abusive language.
- No threats of violence or repeated calls meant to harass you.
- They can't lie about being attorneys or government officials.
- No telling others about your debt without your consent.
- They can't ask for more money than what the law allows.

Debt collectors must send you a written notice detailing the debt, including the amount owed and the creditor’s name. If you dispute the debt in writing within 30 days, they must stop collections until they verify it.

States also have their own laws. For instance, New York requires debt collectors to get licenses and follow additional rules beyond the FDCPA.

If you want a debt collector to stop contacting you, you can send a written request. If you have an attorney, the collector must only communicate with them. If your rights are violated, you can sue for damages or report to authorities like the FTC or CFPB.

Finally, you are protected by laws like the FDCPA and state regulations, which ensure debt collectors follow fair practices, and you have the power to stop unpermitted contact and enforce your rights.

Yes, Midland Credit Management (MCM) has several lawsuits against them. Here are some key lawsuits involving MCM:

• Midland Credit Management, Inc. v. Elizabeth Rios: MCM sought a default judgment for debt non-payment. However, the court denied the motion due to delays in filing caused by the COVID-19 pandemic.

• Violations of the Telephone Consumer Protection Act (TCPA): In 2016, MCM faced legal action for violating TCPA regulations, leading to significant scrutiny.

• Consumer Financial Protection Bureau (CFPB) Lawsuit: The CFPB sued MCM and its parent company Encore Capital Group for violating a 2015 consent order. This lawsuit highlighted various non-compliant practices by MCM.

You should also be aware of numerous official complaints against MCM:

• 400 CFPB Complaints: These complaints include attempting to collect debt not owed, threats of legal action, and inaccurate reporting.

• 352 Better Business Bureau Complaints: Issues raised include harassment, illegal debt collection tactics, and improper communication methods.

If you are dealing with MCM, it is essential that you are aware of these lawsuits and complaints to better protect yourself.

In closing, make sure you understand the various legal actions and complaints against Midland Credit Management to safeguard yourself effectively.

People online have mixed opinions about calls from 800-299-0523. Here’s what they say:

- 'Scammer ae again' - User: Anonymous (Robokiller)
- 'Fake Midland Credit phantom debt collection scam by madarchod criminals phoning from India.' - User: Anonymous (Robokiller)

You can see there are strong negative perceptions. Many users label the calls as scams, citing tactics like pretending to be from legitimate companies and using intimidation to collect fake debts.

If you get a call from this number, you should stay cautious. Verify the legitimacy of the caller before taking any action. We advise you to block and report the number if you suspect fraudulent activity to protect yourself.

Overall, be vigilant and proactive; avoid engaging with suspected scammers and take steps to secure your personal information.

Yes, you should remove 8002990523 from your credit report if it is potentially inaccurate. Many credit repair companies are ineffective, scummy, or deceptive. Disputing it yourself can be time-consuming and require much effort. Instead, consider a reputable company like The Credit Pros to save time and achieve results.

You need to:
- Confirm the collection is on your credit report.
- Identify if it's potentially inaccurate.
- Avoid poorly-rated credit repair companies.
- Consider using The Credit Pros to manage disputes on your behalf.

As a final point – make sure to confirm the collection on your credit report, identify potential inaccuracies, avoid subpar credit repair companies, and consider The Credit Pros to handle the disputes efficiently.

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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