Who is 8664590390 (+ how are they hurting my credit score)

The number 866-459-0390 is linked to NCB Management Services, a debt collection agency. You might be dealing with a legitimate call, but there's also a chance it could be a scam. It's important that you don't engage directly with the caller right away.

Instead, here’s what we advise you to do:
• Do not pay the debt without prior verification.
• Get a free 3-bureau credit report to check for inaccuracies.
• Look for potentially inaccurate negative items on your report that could hurt your score.

If this number relates to a collection, it might be legitimate, but you should still avoid responding immediately. We can help you verify any debt from this collector, dispute errors, and improve your financial standing.

To sum up, be cautious and proactive by checking your credit report for mistakes and avoid direct engagement with the caller. If you need assistance, contact us at The Credit Pros.

How Do I Stop 8664590390 from Harassing Me (How to Report Them)

If you want to stop 8664590390 from harassing you, here are the steps you should take:

1. Document Unwanted Interactions: Keep a detailed log of each call, including dates, times, and any abusive language used.

2. Do Not Call Registry: Register your number at DoNotCall.gov. Then, block the number via your phone’s call-blocking feature or by contacting your service provider for assistance.

3. Send a Cease and Desist Letter: Request NCB Management Services to stop contacting you by using a template from eforms.com/cease-and-desist. Keep a copy and send it by certified mail with a return receipt.

4. File Complaints:
- FCC: Report illegal robocalls or number spoofing at fcc.gov/complaints.
- FTC: Report violations of the Do Not Call Registry at ReportFraud.ftc.gov.
- CFPB: Submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

5. Harassment Legal Action:
- Consider a restraining order if the harassment continues.
- Hiring a harassment lawyer can help since harassment breaks specific Federal and State laws.

6. Use Apps:
- For Android: Try 'Call Blocker - Stop spam calls'.
- For Apple: Use 'Robokiller: Spam Call Blocker'.

7. Phone Carrier: Contact your phone carrier for call-blocking tools and options they might offer.

8. Local Consumer Protection Office: Look into additional resources from your local or state consumer protection offices.

To wrap things up, make sure you document every interaction, use the Do Not Call Registry, send a cease and desist letter, file complaints with relevant authorities, take legal action if necessary, use call-blocking apps and services, and seek help from your local consumer protection office to effectively manage and report harassment from 8664590390.

You should block calls from 866-459-0390. This number is tied to a debt collector, likely seeking an unpaid debt. Blocking it can reduce your stress and stop the persistent calls.

Blocking or ignoring these calls won't hurt your credit score directly. If the debt is on your credit report, blocking the number won't cause more damage. If you think the debt might be inaccurate or you're unsure, work with a reputable credit repair company to address any potentially inaccurate negative items on your credit report.

Make sure you handle any financial obligations appropriately. Request validation of the debt, as you have the right to receive written information about it. If the debt is valid, consider negotiating a payment plan.

In the end, blocking the number can stop the calls, but managing any legitimate financial obligations and verifying debt accuracy are crucial steps you need to take.

Yes, a debt collector like 866-459-0390 can sue you. However, this is very unlikely unless the debt is substantial, usually over $5,000, because lawsuits are costly and time-consuming. Debt collectors will first try to collect the debt through calls and letters. They must prove that you owe the debt, that the amount is correct, and that they have the legal right to sue, which can be tough if the debt has changed hands multiple times. They also have to follow the statute of limitations, which varies by state.

If they decide to sue, you will get a court summons and complaint that you must respond to avoid a default judgment, which could lead to wage garnishment or bank levies.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you get sued, consult an attorney to explore your options.

As a final point-keep in mind that while debt collectors like 866-459-0390 can sue, it’s often a last resort. Your best action is verifying any debts and understanding your legal rights.

8664590390 might have your personal information, but you should not provide them with any details. These calls can often be from debt collectors like NCB Management Services. If you engage, you might end up facing harassment or scams. It's better if you block the number immediately.

To protect yourself, you can take a few steps. First, get your 3-bureau credit report and check for any inconsistencies or issues. This will help you build a plan to improve your credit. We also recommend working with a reputable credit repair company. They understand the process and can help you handle any inaccuracies or disputes, saving you time and stress.

Bringing it all together – don't engage with 8664590390, block the number, check your credit reports, and consider getting help from a credit repair company. This way, you stay in control and reduce stress.

NCB Management Services collects various types of debt, such as credit card debts, medical bills, personal loans, and unpaid utility bills. They may buy these debts from original creditors or are hired by creditors to collect them. They keep whatever they recover or pay a portion to the original creditor.

You might find that they negotiate settlements for less than the full amount owed. If you don't pay, they can take legal action like garnishing wages or seizing assets, but only with a court judgment. Always verify the debt before paying.

All things considered, you should handle the situation carefully by verifying the debt and being aware of possible legal actions.

To check if you owe money to 866-459-0390, you should:

1. Review Your Records: Go through your past bills, account statements, and any receipts for returned equipment to identify any forgotten debts.
2. Check Your Credit Report: Review your credit report for any collection entries related to your name, especially from NCB Management Services or any unrecognized debts.
3. Request Debt Validation: Write to the debt collector at 866-459-0390 and ask for proof of the debt. They must provide details like the amount owed and the original creditor's name.
4. Compare Information: Match the provided details with your records to ensure the debt is valid and belongs to you.
5. Consult a Lawyer: If you face harassment or dispute the debt, consider consulting a consumer protection lawyer.

Avoid direct contact initially to prevent resetting the statute of limitations. Gather all documentation before reaching out to the debt collector.

Lastly, to make sure you address this efficiently, verify your records, check your credit report, request validation, and seek legal advice if necessary.

You are protected by several laws and regulations when dealing with debt collection calls, including from numbers like 8664590390.

The main law is the Fair Debt Collection Practices Act (FDCPA). This federal law prevents third-party debt collectors from using abusive, unfair, or deceptive practices. Here's how it protects you:

• Time and Place Restrictions: Collectors can't call you before 8 AM or after 9 PM, or at work if your employer forbids such calls.
• Language and Conduct: Collectors can't use abusive language, threaten you, or harass you with repeated calls.
• False Representation: They can't falsely claim to be attorneys or government representatives.
• Third-Party Disclosure: They can't discuss your debt with third parties like friends or neighbors.
• Illegal Demands: They can't demand more money than you owe.

Debt collectors must also provide specific disclosures:
• Validation Notice: They must send a written notice with details about the debt and your rights to dispute it.
• Debt Dispute: If you dispute the debt in writing within 30 days, they must verify the debt and stop collection efforts until then.

State laws may offer additional protections. For example, New York has strict licensing requirements for collectors.

You have several rights:
• Stop Communication: You can request in writing that collectors stop contacting you.
• Attorney Representation: If you have an attorney, the collector must communicate with them instead.
• Legal Recourse: You can sue collectors for FDCPA violations and report them to the FTC, CFPB, or your state's attorney general.

Finally, always remember that you have significant protections against debt collection practices and specific steps to follow if a number like 8664590390 is causing trouble.

Yes, NCB Management Services has faced multiple lawsuits and complaints regarding their debt collection practices. Here are the details:

• FDCPA Violation Cases: NCB Management Services has been sued for violating the Fair Debt Collections Practices Act (FDCPA) with allegations of abusive or deceptive tactics.
• Data Breach Class Action: Sauder Schelkopf LLC filed a class action lawsuit against them following a data breach that exposed sensitive information of about 500,000 individuals.

You should also be aware of official complaints against NCB Management Services:

• Consumer Harassment: Many consumers have complained about harassment, unfair practices, and abusive communication.
• Regulatory Scrutiny: They have also been under legal scrutiny for potential violations of debt collection regulations.

We advise you to know your rights and take appropriate actions if you encounter any unlawful practices from debt collectors.

In closing, NCB Management Services has a history of legal issues and complaints regarding their methods. Stay informed and protect yourself against any illegal collection tactics.

People online have various opinions about the phone number 866-459-0390. Here are some specific quotes from Reddit users discussing their experiences with this number.

User 'DebtCollectorBlues' said, 'Got a call from 866-459-0390, and it was NCB Management Services. They wanted to talk about an old credit card debt I had nearly forgotten about.'

User 'GymBro23' shared, 'I was at the gym and got a call showing as 'potential spam' from 866-459-0390. Let it go to voicemail. It was NCB Management Services trying to collect a debt, but they had the wrong person.'

User 'CreditNewbie' mentioned, '866-459-0390 keeps calling me. I checked my credit report, no debts in collections. Seems like a mistake or wrong number.'

From these quotes, it appears that calls from 866-459-0390 are associated with debt collection by NCB Management Services. Many people express confusion, especially if they believe they don’t have outstanding debts, or if NCB has incorrect information. This can cause anxiety and frustration. If you're receiving calls from this number, it's a good idea to check your credit report and confirm the legitimacy of any claimed debts before taking any action.

Overall, online discussions about 866-459-0390 highlight that NCB Management Services frequently makes calls about debt collection, often leading to confusion and frustration. If you're contacted by this number, review your credit report and verify any debts before responding.

Yes, you should remove 8664590390 from your credit report if it's inaccurate. Disputing it yourself can be time-consuming, and hiring a typical credit repair company might not yield the best results due to poor performance. Instead, we recommend contacting a reputable company like The Credit Pros to help remove any potentially inaccurate negative items.

Review your credit report carefully for any accounts marked as negative. Ensure the information is accurate and dispute any inaccuracies you find. Removing inaccuracies can improve your credit score and help you qualify for better financial products.

If you’re feeling overwhelmed, let experts handle it, saving you time and ensuring better results.

As a final point - ensure you review your credit report, dispute any inaccuracies, and consider professional help to manage the process efficiently.

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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.

• 4407355100
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• 8664590390