Who is 8449801996 (+ how are they hurting my credit score)

The phone number 844-980-1996 is associated with a debt collection agency, but it could also be a scam. Regardless of legitimacy, you should not engage with the caller. You aren't obligated to pay any debt without proper verification and due diligence.

Here's what we advise you to do next:

• Pull your credit report from all three bureaus.
• Check for any potentially inaccurate negative items that could hurt your score.
• If this number appears as a collection or negative item, it might be legitimate. However, you should still avoid responding directly.

Contact us, The Credit Pros, for a free three-bureau credit report evaluation. We can help verify any debt from this collector, dispute inaccuracies, and improve your financial profile.

To stay safe and handle the issue:

• Block the number.
• Analyze your credit report.
• Use our services to address any concerns.

To sum up, whether the call is a scam or legitimate, it's crucial that you protect your financial information by blocking the number and getting a detailed credit report evaluation.

To stop 8449801996 from harassing you and report them, follow these steps:

First, document all unwanted interactions. Keep a detailed log with dates, times, and any abusive language used during the calls. Register your number on DoNotCall.gov to prevent telemarketing calls. Block the number using your phone’s call-blocking feature, or ask your service provider for help with this.

Next, report the harassment to federal agencies:
• File a complaint with the FCC at fcc.gov/complaints
• Report to the FTC at ReportFraud.ftc.gov or DoNotCall.gov

For legal actions:
• Consider a restraining order if the harassment continues or escalates.
• Consult a harassment lawyer to explore your legal options.
• Send a cease and desist letter using a template from eforms.com/cease-and-desist

You can also use call blocking apps:
• On Android, download 'Call Blocker - Stop spam calls'
• On Apple, use 'Robokiller: Spam Call Blocker'

Complain to your phone carrier, as they may offer additional call-blocking tools. If you use Nomorobo, report unwanted robocalls through their platform. For serious threats, report to local law enforcement and provide detailed information about the calls.

Finally, submit a complaint to the Consumer Finance Protection Bureau (CFPB) online at consumerfinance.gov/complaint, call CFPB at (855) 411-2372, or mail detailed complaints to CFPB, 1700 G Street, NW, Washington, DC 20552.

To wrap things up – by documenting unwanted interactions, blocking the number, reporting to the FCC and FTC, and consulting legal resources, you can effectively stop 8449801996 from harassing you and take control of the situation.

You should block the number 8449801996. Blocking it means you won't receive calls or messages from them, which is more effective than just ignoring them. If you keep ignoring the number, they can still try to reach you repeatedly.

If 8449801996 is a debt collector harassing you, blocking them is a smart move. You won't face any consequences for blocking the number, like a drop in your credit score. Blocking also won't worsen the situation if the debt is already on your credit report.

To handle the debt, consider working with a reputable credit repair company. They can help you remove inaccurate negative items from your credit report. By blocking the number and collaborating with a credit repair company, you can manage the situation better.

Remember, blocking unwanted calls reduces stress and gives you control over who can contact you.

In the end, blocking 8449801996 and seeking help from a credit repair company can protect your peace of mind and aid in resolving any inaccuracies or disputes.

Yes, a debt collector like 8449801996 can sue you, but it's very unlikely. They usually sue as a last resort, especially when the debt is over $5,000 and worth the cost of legal action.

Debt collectors must prove you owe the debt, the amount is correct, and they have the right to sue. Since suing is expensive and time-consuming, they often prefer to settle out of court. Each state has a statute of limitations, which means if the debt is old, they might not be able to sue.

Debt collectors typically start with calls and letters. If they decide to sue, you’ll receive a court summons and a complaint. You must respond to by the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, the Fair Debt Collection Practices Act (FDCPA) protects you from abusive or deceptive actions. If sued, consider consulting an attorney to understand your options and defenses.

As a final point, while it’s unlikely a debt collector like 8449801996 will sue, you should be aware of your rights, respond promptly to any summons, and seek legal advice if needed.

8449801996 Might Have Your Personal Information because it's linked to a debt collector. You shouldn't provide any information to debt collectors who call you from this number. Ideally, don't even pick up when they call. If you answer, you might face more calls and stress.

Instead, here's what we advise you to do:
• Obtain your 3-bureau credit report.
• Start building a comprehensive plan to improve your credit.
• Work with a reputable credit repair company.

You should block the number to prevent further stress and take control of your financial situation.

Bringing it all together - You should avoid engaging with 8449801996, obtain your credit report, and work with a credit repair company to handle disputes. Block the number and focus on improving your financial health.

You might be curious about the types of debt collected by 8449801996. This number is associated with Eastern Account System, Inc., and they primarily handle various types of debts. They could be reaching out about unpaid credit card accounts, medical bills, different types of loans like personal loans and auto loans, or even unpaid utility bills.

When you receive a call from 8449801996, it could mean they are collecting on behalf of the original creditor or they have purchased the delinquent debts and are collecting for themselves. It's essential to address these calls promptly to avoid further complications.

All things considered, understanding the types of debt collected by 8449801996 can help you manage your financial obligations more effectively. You should take charge by identifying the nature of the debt and taking appropriate steps to resolve it.

To check if you owe money to 8449801996, follow these steps:

First, review your financial records for any final bills, account statements, or receipts. This helps you identify any outstanding debts.

Next, get a free credit report from Equifax, Experian, and TransUnion at annualcreditreport.com. Your credit report will list any collections accounts and their contact details.

Then, use a search engine to look up the phone number 8449801996. This can provide you with information about who called and why.

If you find a debt on your credit report, request a debt validation from the collections agency to confirm the debt details.

Lastly, if the issue persists or if you face harassment, you should consider consulting a consumer protection lawyer. Make sure you gather as much information as possible from your records and credit reports before taking any further steps.

The Fair Debt Collection Practices Act (FDCPA) protects you from abusive debt collection practices from numbers like 844-980-1996. The FDCPA prevents collectors from calling before 8 AM or after 9 PM, contacting you at work if your employer disapproves, and using harassment, threats, or obscene language.

When a debt collector contacts you, they must give you a validation notice with details about the debt and your right to dispute it. You have 30 days to dispute the debt in writing, and the collector must verify it before continuing collection efforts.

States may have additional laws for more protection. For example, New York has strict licensing for debt collectors. If you think a collector has violated the FDCPA, report them to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state attorney general. You can also sue for damages and legal costs.

You can request in writing that a debt collector stops contacting you, and they must comply except to inform you of certain actions. If you have legal representation for your debt, the collector must communicate with your attorney.

Finally, knowing your rights and regulations helps you handle debt collection calls confidently and effectively.

Yes, Eastern Account System, Inc. has been involved in a few lawsuits. Here are some examples:

Willie Towles v. Eastern Account System of Connecticut, Inc.: This lawsuit, filed on April 27, 2022, in the United States District Court, Middle District of Alabama, alleged violations of the Fair Debt Collection Practices Act (FDCPA). The court granted Willie Towles's Motion for Default Judgment, and Eastern Account System was ordered to pay $10,014.80.

Severns v. Eastern Account System of Connecticut, Inc.: This case was heard on February 24, 2016, in the United States District Court for the Eastern District of Wisconsin, case number 15-C-1168. Details of the case specifics were not provided, but it involved legal actions against Eastern Account System.

You should also know there are several consumer complaints against Eastern Account System, especially about their debt collection practices. Consumers have reported aggressive debt collection tactics, furnishing inaccurate information to consumer reporting agencies, and numerous complaints logged with the Consumer Financial Protection Bureau (CFPB).

In closing, Eastern Account System, Inc. has faced lawsuits and numerous consumer complaints related to their debt collection practices.

People online have varied opinions about the phone number 844-980-1996. Here’s what some folks are saying:

- Investigator FTC DNC Spamlist from Wilbraham, Massachusetts, labeled it as a 'Spam Call' and categorized it as a general nuisance call. They suggest that you should be cautious and indicated that this number is known for spamming.
- On Clever Dialer, users often report it as a debt collection agency call, indicating it’s related to persistent debt recovery attempts. Some labeled these calls as 'annoying' and a form of harassment.
- Specific Reddit users, like u/silentwatcher98, mentioned, “Keep getting calls from 844-980-1996, claiming I owe money. Pretty sure it’s a scam,” which aligns with it being perceived as suspicious and potentially fraudulent.
- Another Reddit comment by u/tiredofthesecalls stated, “They keep calling for someone I don’t know. It’s irritating.”

Overall, people often find calls from 844-980-1996 irritating and suspicious, frequently describing them as spam or potentially fraudulent debt collection attempts.

Yes, you really need to remove 8449801996 from your credit report if you confirm it’s on there and is potentially inaccurate. Addressing inaccuracies is crucial to avoid damage to your credit score. Disputing this yourself can be stressful and time-consuming.

Consider reaching out to a reputable credit repair company instead of doing it alone. Avoid poorly rated firms and choose a trustworthy one like The Credit Pros. They can handle the dispute process more efficiently, potentially improving your chances of removing inaccurate items.

Here’s what you should do:

- Confirm Accuracy: Check if the collection from 8449801996 is on your report and if it’s wrong.
- Avoid Bad Companies: Stay away from poorly rated credit repair firms.
- Seek Help: Consult a reputable company like The Credit Pros to handle disputes for you.

As a final point - tackling this issue quickly and with the right help from a reputable company can save you time, reduce stress, and improve your credit score.

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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.

• 8007506343
• 8449801996