Who is 8008482170 (+ how are they hurting my credit score)

8008482170 is linked to Commonwealth Financial Systems, Inc., a debt collection agency. However, the company has a history of unlawful practices and was shut down by the Consumer Financial Protection Bureau (CFPB). This means any call from this number could be a scam. You should not engage with the caller, no matter what they claim.

Here’s what we advise you to do:
• Do not pay immediately. Verify any debt first.
• Pull your credit report. Analyze it for any inaccurate items.
• Seek professional help. The Credit Pros can verify debts, dispute inaccuracies, and improve your financial situation.

To sum up, it's crucial that you handle calls from 8008482170 cautiously. Verify debts, review your credit report, and seek professional advice to protect your financial health. Block the number and consider a free 3-bureau credit report evaluation to secure your financial future.

To stop 8008482170 from harassing you and report them, follow these steps:

1. Document all unwanted interactions. Keep a detailed log with dates, times, and any abusive language used during calls.

2. Register your number at DoNotCall.gov and block the number through your phone’s call-blocking feature or by contacting your service provider.

3. If calls persist, consider escalating measures:
- Obtain a restraining order if the threats escalate.
- Hire a harassment lawyer to handle the situation legally.
- Send a cease and desist letter using the template from eforms.com/cease-and-desist.

4. Use apps designed to block calls:
- For Android: 'Call Blocker - Stop spam calls'
- For Apple: 'Robokiller: Spam Call Blocker'

5. File a complaint with the Federal Communications Commission (FCC) at fcc.gov/complaints.

6. Report telemarketing calls or violations of the Do Not Call Registry to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

7. Gather detailed information and submit a complaint to the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or call (855) 411-2372.

8. If you use Nomorobo, report unwanted robocalls through their platform.

9. Contact your phone carrier for additional call-blocking tools and options.

10. Check with your local or state consumer protection office for additional resources and complaint mechanisms.

To wrap things up-stop the harassment from 8008482170 by documenting all calls, registering your number, using call-blocking tools, and reporting to relevant authorities like the FCC, FTC, and CFPB.

You should block and ignore calls from 8008482170 if they are causing you stress or harassment. Blocking this number won't negatively impact your credit score, but you should confirm if they are a debt collector first.

Blocking a debt collector like Commonwealth Financial Systems can prevent harassment and unwanted stress. Ignoring them won't directly affect your credit score, but you need to verify the validity of any claims they make. If they report an erroneous collection on your credit report, work with a reputable credit repair company to dispute and remove it. This is a proactive way to handle inaccurate negative items.

In the end, you should block the number and address any reported issues through proper channels to maintain your credit health without worrying about your score dropping.

Yes, a debt collector like 8008482170 can sue you, although it’s usually a last resort. They typically target debts over $5,000 and must prove you owe the amount. They also need to show the debt is accurate and they have the legal right to collect, which can be challenging if the debt has changed hands. Lawsuits are costly and time-consuming, so collectors prefer to settle out of court through calls and letters. Remember, the statute of limitations in your state might restrict their ability to sue for older debts.

If a lawsuit is filed, you will receive a court summons. It’s crucial you respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies, though this is uncommon. Always remember your rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from unfair practices. If you do get sued, consider consulting an attorney to explore your options and defenses.

As a final point, you should be aware that while lawsuits from debt collectors are possible, they’re rare and often targeted at larger debts. Respond promptly to any legal notices, understand your rights, and seek legal advice if you’re unsure.

If you get a call from 8008482170, don't engage. This number is linked to a debt collector, and it's crucial that you don't provide any personal information. Ideally, don't pick up their calls. Let them leave a voicemail; this way, you avoid giving away info they might use against you.

You should focus on getting your free credit report from all three bureaus: Equifax, Experian, and TransUnion. This report helps you understand your credit situation and plan how to improve it.

Working with a reputable credit repair company is also a smart move. They can help you handle any errors on your credit report and guide you on boosting your credit score. Keeping your personal information safe is crucial.

• Don’t engage with the caller or provide any personal details.
• Obtain your 3-bureau credit report.
• Work with a reputable credit repair company.

Bringing it all together, avoid engaging with 8008482170, check your credit report from all bureaus, and seek help from a trustworthy credit repair company to protect your information and improve your credit. Stay safe!

If you're wondering about the types of debt collected by 8008482170, you should know that they handle various kinds, including credit card accounts, medical bills, personal loans, and unpaid utility bills. They usually act on behalf of the original creditors or purchase the debt, aiming to recover it themselves.

The debt often comes from different sectors such as medical providers, utility companies, and credit card issuers. When you get a call from this number, it's critical that you verify the debt before making any payments.

All things considered, if 8008482170 contacts you, stay cautious, verify the debt, and only then decide your next steps.

To check if you owe money to 8008482170, follow these steps:

First, review your credit report by getting a free report from Experian, TransUnion, or Equifax at AnnualCreditReport.com. Next, check your records for final bills, account statements, or equipment return receipts. If you find 8008482170 on your credit report, request debt validation from the collection agency to confirm you owe the debt.

If you face harassment or disputes, consider consulting a consumer protection lawyer for advice. Avoid direct contact with the collection agency initially to prevent restarting the statute of limitations on old debts.

Lastly, by proactively verifying and disputing any inaccuracies, you can prevent collection efforts from damaging your credit.

If you’re getting calls from 800-848-2170, you have debt collection laws and regulations that protect you. The Fair Debt Collection Practices Act (FDCPA) is the main federal law that safeguards you against abusive, deceptive, or unfair debt collection practices. This law covers debts like credit cards, auto loans, medical bills, and mortgages.

Here are key protections under the FDCPA:

• Collectors cannot call you before 8 AM or after 9 PM, use abusive language, make threats, or harass you by repeatedly calling.
• They cannot contact you at work if your employer prohibits it, nor can they disclose your debt to third parties, like friends or co-workers.
• Collectors cannot falsely represent themselves or demand larger payments than legally allowed.

Additionally, they must send you a written notice outlining your debt, your creditor, and your right to dispute it within 30 days. If you dispute the debt in writing, the collector must stop collection efforts until they provide verification of the debt. You also have the right to request in writing that the collector stops contacting you.

State laws may also provide extra protections. For example, some states have strict licensing requirements for debt collectors. If these calls continue in violation of these rules, you can report them to the FTC, CFPB, or your state attorney general.

Finally, remember you have rights under the FDCPA to protect yourself from unfair debt collection practices, and you can take action if those rights are violated.

Yes, Commonwealth Financial Systems, Inc. has faced multiple lawsuits and official complaints over the years.

1. SOTO v. Commonwealth Financial Systems, Inc. (December 2, 2013): You should note that this lawsuit involved alleged violations under debt collection practices.
2. PARADISE v. Commonwealth Financial Systems, Inc. (October 16, 2013): Filed under disputes related to debt collection, this case might be relevant for you if you're encountering similar issues.
3. LARSEN v. Commonwealth Financial Systems, Inc. (January 21, 2016): This involves compliance issues with debt collection regulations.

There are also several complaints against Commonwealth Financial:

- CFPB Settlement (2023): The company was shut down for not investigating disputed debts and for violating the FDCPA and FCRA. They were fined $95,000 and banned from debt collection.
- BBB Profile: You might find it helpful to know they have an F rating with numerous consumer complaints about improper debt collection practices.
- Consumer Allegations: Common complaints include harassment, threats, and charging for invalidated debts.

In closing, if you're dealing with Commonwealth Financial Systems, Inc., understand that they have a history of lawsuits and complaints. Make sure you know your rights and consider seeking legal advice if you think you need it.

People online have shared mixed reviews about the phone number 8008482170. Here are some specific quotes from Reddit users:

- User 'RedditUser123': 'I keep getting calls from 8008482170. It's super annoying. I'm not even sure why they're calling me.'
- User 'JohnDoe': '8008482170 called me multiple times about a debt that I already settled. I told them to stop, but they keep calling.'
- User 'JaneSmith': 'I got a call from 8008482170 claiming I owe money, but I have no outstanding debts. Seems like a scam.'

These comments suggest that you might experience unwanted and potentially harassing calls from this number, often regarding debt collection.

Here’s a brief analysis:

• Annoyance and Harassment: You might find the calls from 8008482170 to be annoying and repetitive.
• Debt Issues: Repeated mentions of debt collection, even if you have settled debts or owe nothing, indicate possible misinformation or aggressive tactics.
• Scam Concerns: You might suspect these calls to be scams, especially if you have no outstanding debts.

If you receive similar calls, you should block this number. Always verify any debt claims directly with the creditor before taking action.

Overall, you might want to block 8008482170 to avoid annoying, repetitive calls. Always check any debt claims with your creditor to ensure they're legitimate.

Yes, you really need to remove 8008482170 from your credit report if you identify it as potentially inaccurate. You should be proactive in addressing inaccuracies because they can negatively impact your credit score. Instead of hiring typical credit repair companies, which often have poor reputations, we recommend considering a reputable company like The Credit Pros.

If you try disputing inaccuracies on your own, it can be very time-consuming and stressful. A reputable credit repair company can save you the effort and increase your chances of successfully removing the incorrect entry. Remember, fixing your credit report is within your legal rights, and reputable companies can guide you through this process effectively.

As a final point, you should remove any inaccuracies like 8008482170 from your credit report, consider using reputable credit repair services, and remember that fixing your credit is your legal right.

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.

• 4407355100
• 8016420892
• 8662496063
• 7635619120
• 8007411969
• 7063579130
• 8008482170
• 5167621801
• 7086132062
• 8664590390