Who is 8008280146 (+ how are they hurting my credit score)

The number 8008280146 may belong to a debt collection agency, but it could also be a scam. It's crucial that you do not engage with this caller, regardless of their legitimacy. You should not pay any debt immediately if you have doubts or are unsure about the details.

Here are steps we advise you to take:

• Pull your credit report from all three major bureaus to check for potentially inaccurate, negative items.
• If this debt appears as a collection or negative item, it might be a legitimate call, but you should still refrain from responding directly.
• Contact us at The Credit Pros for a free 3-bureau credit report evaluation. We can help verify any debt, dispute potentially inaccurate items, and improve your financial situation.

To sum up, protect yourself by checking your credit reports, avoid direct engagement with the caller, and seek professional help from reputable sources like The Credit Pros.

To stop 8008280146 from harassing you, here’s what we advise you to do:

First, document every unwanted interaction. Keep a log noting the date, time, and any abusive language or threats. This record will be crucial if you need to escalate the issue.

Next, make sure your number is listed on the DoNotCall.gov. It only takes a couple of minutes and can help reduce unwanted calls.

You should block the number. Use your phone’s built-in call-blocking feature or contact your service provider for additional help. For extra protection, consider call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple.

If the calls persist, consider escalating your measures:
- Restraining Order: Get a restraining order if calls become threatening. This legally prevents the caller from contacting you.
- Harassment Lawyer: Hire a lawyer specializing in harassment to navigate specific laws against it.
- Cease and Desist Letter: Send a cease and desist letter using a template from eforms.com.

File complaints with appropriate authorities:
- FCC: For illegal robocalls or spoofed numbers, file a complaint at fcc.gov/complaints.
- FTC: Report telemarketing violations at ReportFraud.ftc.gov or unwanted calls at DoNotCall.gov.
- CFPB: Submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

If you use Nomorobo, report robocalls directly through their platform. Also, your phone carrier can usually provide tools and options for blocking unwanted calls.

Finally, check with your local or state consumer protection offices for additional resources or complaint mechanisms.

To wrap things up - make sure you document every call, block the number, escalate if necessary, and file complaints with the right authorities. With these steps, you can effectively report and stop harassment from 8008280146.

You should block the number 8008280146 if it's causing you problems. Ignoring it won't harm your credit score.

If this number is from a debt collector and they're harassing you, blocking them is a smart move. No need to worry about your credit score dropping just from blocking or ignoring calls. Once a negative item is on your report, it won't hurt your score more than it already has.

To handle any inaccuracies or disputes, consider working with a reputable credit repair company. They can help you manage your credit report and deal with any potential errors. By blocking the number, you can reduce stress and focus on resolving the issue with professional assistance.

• Block the number to stop harassing calls.
• Work with a reputable credit repair company to manage your credit report.
• Ensure you're not missing any important communications by verifying other ways the debt collector might contact you.

In the end, blocking and ignoring protects your peace of mind while credit repair professionals help address any issues and inaccuracies.

Debt collectors like 8008280146 can sue you, but it’s rare. They typically sue if you owe a significant amount, usually over $5,000. They need to prove that you owe the debt, the exact amount, and that they have the legal right to sue you. This is challenging, especially if the debt has changed hands multiple times.

Suing can be expensive and time-consuming for them, so they usually prefer to settle out of court. There are state-specific statutes of limitations that limit the time frame for lawsuits. If a debt collector decides to sue, you will get a court summons and complaint, which you must respond to appropriately.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive practices. If you’re sued, it’s a good idea to consult an attorney.

As a final point - keep in mind that while it’s possible for a debt collector like 8008280146 to sue you, it’s rare. Understand your rights, and consider legal advice if needed.

If you receive a call from 8008280146, don't provide any personal information. Don’t even pick up the phone. This debt collector might have your personal information, but that doesn’t change what you should do next. Instead, you should get your 3-bureau credit report and start building a plan to improve your credit.

You can work with a reputable credit repair company to handle inaccuracies or disputes on your credit report efficiently. Taking this step can help you manage your credit more effectively and ensure that you are not unfairly impacted by mistakes.

Bringing it all together-block calls from 8008280146, check your credit report for accuracy, and consider working with a reputable credit repair company to protect and improve your credit score.

Debt collected by 8008280146 includes unpaid credit card balances, auto loans, personal loans, and cell phone bills. You might hear from them if you have defaults on these types of debts. It’s crucial that you verify any debt claims to ensure they are legitimate.

• Unpaid credit card balances
• Auto loans
• Personal loans
• Cell phone bills

All things considered, you should always verify any debt claims made by 8008280146 to ensure it’s legitimate.

To check if you owe money to 8008280146, follow these steps:

First, it's important that you don't engage directly. This helps you avoid restarting the statute of limitations on old debts.

Next, review your records. Look through your final bills, account statements, and any equipment return receipts you have.

Then, request your credit report. This helps you find any debts listed and identify if any are linked to 8008280146. If you spot inaccuracies, you need to dispute them.

If you discover a debt on your credit report, send a written request to the debt collector to validate the debt in writing. They are legally required to provide detailed information about the debt.

Additionally, if you're facing harassment over disputed debts, consulting a consumer protection lawyer can be very helpful.

Lastly, remember to gather all your documentation and cross-reference it with your accounts before contacting any debt collectors to avoid issues that could impact your credit.

You are protected from debt collectors like those calling from 8008280146 by several key laws and regulations. The main one is the Fair Debt Collection Practices Act (FDCPA). This federal law makes it illegal for third-party debt collectors to use abusive, deceptive, or unfair practices. It covers various debts like credit cards, auto loans, medical bills, and mortgages, but not business debts.

Here’s what debt collectors are not allowed to do:
• Call you before 8 AM or after 9 PM.
• Contact you at work if your employer doesn’t allow it.
• Use obscene or abusive language.
• Threaten violence or criminal actions.
• Harass you with continuous calls.
• Falsely represent themselves as attorneys or government officials.
• Inform others about your debt.
• Demand more money than what you owe.

Debt collectors must also:
• Provide a written validation notice of your debt, which includes details like the amount owed and the creditor’s name.
• Stop collection if you dispute the debt within 30 days until they verify it with documentation.
• Inform you that any information collected will be used for debt collection purposes.

You have rights if you're dealing with debt collectors:
• Demand in writing that they stop calling you.
• Have them communicate only with your attorney if you have one.
• Sue for any violations of the FDCPA within one year and possibly recover damages and legal fees.
• Report any violations to the FTC, CFPB, or your state attorney general, who can take enforcement actions.

Finally, remember that you have several protections under the FDCPA, and knowing your rights can help you handle debt collectors like those calling from 8008280146.

No lawsuits have been found involving 8008280146 or Debt Collector (General).

However, you should be aware of several consumer complaints about aggressive and potentially fraudulent behavior, such as:

• Threats of jail, which are illegal.
• Multiple calls at inconvenient times, like before 8 a.m. or after 9 p.m., violating regulations.
• Refusal to provide necessary information about the debt or their company.

In closing, while no lawsuits exist, you should note the complaints about illegal practices, inconvenient calls, and lack of transparency. Stay informed and protect yourself.

Users online have shared various opinions about the phone number 800-828-0146. You might find these comments useful:

Reddit user 'notimpressed123' shared:
> 'I keep getting calls from 800-828-0146 saying they are a debt collector. Pretty annoying since I don't owe anything.'

Another Reddit user 'justlikethat86' said:
> 'This number is always calling. It's supposedly Navient, but I've never had any student loans. Really frustrating.'

On Robokiller, someone commented:
> 'Supposedly is Navient, but I've never had any student loans, and I graduated from college in the 1990s lol!'

It seems that people frequently receive calls from 800-828-0146, usually identifying it as debt collection-related, specifically mentioning Navient. However, several users report receiving these calls mistakenly, which indicates potential inaccuracies or a broad, aggressive calling strategy.

Overall, if you receive calls from 800-828-0146, you might experience similar frustrations as others online, especially if you do not owe any debts.

Yes, you need to remove 8008280146 from your credit report if it's accurate and potentially inaccurate. Confirm the entry first by checking your credit report. Identify any inaccuracies linked to 8008280146. Then, dispute the incorrect information with both the credit reporting agencies and the company that provided the data. Handling this yourself can be time-consuming, so consider using a reputable credit repair company like The Credit Pros.

• Confirm the Entry: Make sure 8008280146 is on your credit report.
• Identify Inaccuracies: Check for any inaccurate details attached to 8008280146.
• Dispute the Inaccuracy: Dispute the inaccuracies with credit reporting agencies and the information provider.

As a final point-verify 8008280146 on your credit report, identify any inaccuracies, and dispute them, possibly using a reputable credit repair service for a smoother process.

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.

• 8008280146
• 4706824350