Who is 8774220763 (+ how are they hurting my credit score)

The phone number 877-422-0763 is associated with credit collection calls, potentially from Credit One Bank (Collections). However, it can also be used by scammers, making it crucial to be cautious. Whether legitimate or a scam, you should not engage with the caller directly. Instead, follow these steps:

1. Block the Number: Avoid further calls.
2. Check Your Credit Report: Review your three-bureau credit report to verify any negative items or collections.
3. Analyze for Inaccuracies: Look for any errors or incorrect negative items hurting your score.
4. Consult The Credit Pros: We can evaluate your report for free, help verify debts, dispute inaccuracies, and improve your financial future.

Remember, you are not obligated to pay any debt immediately without clear verification. Take charge of your financial health by following these steps.

To sum up, if you receive a call from 877-422-0763, block the number, check your credit report for inaccuracies, and consult with The Credit Pros to ensure a safer financial future.

If you’re being harassed by calls from 8774220763, you can follow these steps to stop the harassment and report them effectively:

1. Document Unwanted Interactions: Keep a log of the calls, including dates, times, and any abusive language. This log will be essential for reporting.

2. Register with the Do Not Call Registry: Go to DoNotCall.gov and register your number. This can help reduce unwanted calls. Additionally, block the number using your phone's call-blocking feature or contact your service provider for help.

3. Escalating Measures:
- Restraining Order: If calls persist, consider obtaining a restraining order.
- Harassment Lawyer: Consulting with a harassment lawyer can be beneficial. They can guide you through Federal and State laws against harassment.
- Cease and Desist Letter: Use a template from eforms.com/cease-and-desist to send a formal request to stop the calls.

4. Use Call-Blocking Apps:
- For Android, try 'Call Blocker - Stop spam calls'.
- For Apple, use 'Robokiller: Spam Call Blocker'.

5. File a Complaint with the FCC: Report illegal robocalls and other unwanted calls at fcc.gov/complaints. Select 'unwanted calls' and provide all necessary details.

6. Report to the FTC: Report telemarketing violations at ReportFraud.ftc.gov.

7. Contact CFPB:
- Gather all call details.
- Submit a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.
- Follow up with the complaint process.

8. Use Nomorobo: If you use the Nomorobo service, report the unwanted robocall directly through their platform.

9. Contact Your Phone Carrier: Ask about available call-blocking tools and options from your carrier.

10. Check with Local or State Consumer Protection Offices: These offices might offer additional resources or complaint mechanisms.

To wrap things up - stopping harassment from 8774220763 involves documenting calls, using the Do Not Call Registry, escalating measures if needed, employing call-blocking apps, and reporting to the FCC, FTC, CFPB, Nomorobo, your phone carrier, and local consumer protection offices.

You should block 877-422-0763. Ignoring it might result in repeated calls, which can be annoying. Blocking this number won't harm your credit score. However, if the number turns out to be a debt collector, blocking them can prevent harassment. If the collector is from Credit One Bank (Collections), blocking the number and working with a reputable credit repair company can help you manage any inaccuracies on your credit report. This will keep your score safe and help reduce stress.

• Blocking reduces annoying calls.
• Your credit score stays unaffected.
• Seek help from a credit repair company.

We advise you to block the number and then consult a credit repair company for further assistance. Blocking is a smart and safe move, and we're here to support you.

In the end, blocking 877-422-0763 spares you the nuisance of repeated calls, keeps your credit score intact, and working with a credit repair company ensures you manage any issues effectively.

Yes, a debt collector like 8774220763 can sue you, but this usually happens only as a last resort, typically for debts over $5,000.

Here’s what you need to know:

• Proof of Debt: They need to prove that you owe the debt, the amount is accurate, and they have the legal right to sue. This can be tricky if the debt has changed hands multiple times.
• Cost and Effort: Suing is expensive and time-consuming, so they prefer to settle out of court.
• Statute of Limitations: Each state has a time frame within which a debt collector can sue. If the debt is old, it might be beyond this period.
• Collection Methods: They usually prefer calls and letters to collect the debt first.

If they do sue, you will receive a court summons and complaint. You must respond within 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 practices. If you get sued, consider consulting an attorney to understand your options and defenses.

As a final point - you should know that while a debt collector like 8774220763 can sue you, it’s rare. Make sure they can prove the debt, understand that suing is costly for them, check the statute of limitations, and be prepared to respond if you get sued. Always know your rights under the FDCPA and consider legal help if needed.

If you receive a call from 8774220763, do not provide any personal information. This number likely belongs to a debt collection agency. You should avoid answering their calls, as they might use pressure tactics to get you to pay. Letting unknown calls go to voicemail can protect you from scams.

Here’s what we advise you to do instead:

• Don’t answer calls from unknown numbers. Let them go to voicemail.
• Get your credit report from all three major bureaus to check for inaccuracies.
• Work with a reputable credit repair company to correct any errors and improve your credit score.

Bringing it all together – by not answering unknown calls, obtaining your credit report, and enlisting a trustworthy credit repair company, you can protect your personal information and take control of your financial health.

8774220763 collects several types of debts. They typically handle past-due balances from credit cards, personal loans, auto loans, and cell phone bills. You might find they buy this debt from original creditors like banks or lending institutions to then collect on it.

If you receive a call from this number, it's crucial that you confirm whether the debt is legitimate. You should not make any payments until you've verified the details. Ensure you ask for written validation of the debt and cross-check all information before proceeding.

• Credit card debt
• Personal loans
• Auto loans
• Cell phone bills

All things considered, if you get a call from 8774220763, verifying the legitimacy of the debt is essential before making any payments.

To check if you owe money to 877-422-0763, you should first avoid direct contact to prevent restarting the statute of limitations on any old debts. Instead, gather your own records, such as final bills, account statements, and equipment return receipts to see if you can find any outstanding debts.

You should also check your credit report for any entries related to the debt. If you find a debt listed, you can request debt validation from the collections agency to verify its legitimacy. Remember, do not provide personal financial information unless you are sure the caller is legitimate.

If you face harassment or have ongoing disputes, consider consulting a consumer protection lawyer. Be proactive to avoid inaccuracies affecting your credit.

Lastly, ensure you gather your records, check your credit report, request debt validation if needed, and consult a lawyer if you feel harassed to ensure you handle the situation correctly.

Several debt collection laws and regulations protect you from harassment by numbers like 8774220763.

The Fair Debt Collection Practices Act (FDCPA) shields you from abusive, deceptive, or unfair practices. Debt collectors can't contact you before 8 AM or after 9 PM, or at work if your employer prohibits such calls. They also can't harass you with repeated calls or obscene language.

State debt collection laws can offer extra protections. Some states, like New York, require debt collectors to follow stricter rules, such as getting a license.

Debt collectors must provide a written notice within five days of their first contact with you. This notice should outline the debt, creditor's name, and your rights. If you dispute the debt within 30 days, they must pause collections until they verify the debt.

You can ask in writing for a debt collector to stop contacting you, and they must comply. If you have an attorney, they must communicate through them. You can sue for FDCPA violations within one year, potentially recovering damages and legal fees. Report violations to the FTC, CFPB, or your state attorney general.

Finally, understand your rights and don't hesitate to take action if numbers like 8774220763 violate these laws.

Yes, Credit One Bank (Collections) has faced lawsuits related to debt collections. Here are some examples:

1. TCPA Lawsuits:
- Over 600 Robocalls: Consumers sued Credit One Bank under the Telephone Consumer Protection Act (TCPA) for allegedly making over 600 robocalls. Credit One Bank won, and the consumers had to pay $286,064.62 in fees.
- $232k Award for Robocalls: A woman received a $232,000 award after Credit One Bank robocalled her 465 times without her consent, violating TCPA regulations.

2. Consumer Complaints:
- Many consumers have reported issues like high fees, false transactions, and robocalls.
- These complaints often lead to legal actions.

3. Government Actions:
- Allegations of data breaches affecting consumers' finances have added to the complaints against the bank.

In closing, Credit One Bank (Collections) has faced multiple lawsuits and complaints focused on debt collections, robocalls, and data breaches.

People online have mixed opinions about the phone number 8774220763. Here are some quotes and user names from discussions on Reddit:

- User 'scam_radar' stated: 'It’s a scam call asking you to call a different number than the one that actually called.'
- User 'curious_george' mentioned: 'Do not know them.'
- User 'help_needed' reported: 'Customer service call.'

Based on these comments, many users label calls from this number as suspicious or scam-related. This aligns with common phone scams that use such tactics to mislead and potentially defraud you.

Overall, it's crucial that you stay cautious and verify the legitimacy of such calls before engaging, as many people online warn about potential scams associated with 8774220763.

Yes, you really need to remove 8774220763 from your credit report if it shows up and is inaccurate. Collection entries can lower your credit score and impact your chances of getting loans or mortgages.

First, get a copy of your credit report from Equifax or TransUnion. Check for any inaccuracies related to the collection entry. If you find any discrepancies, we advise you to contact a reputable credit repair company like The Credit Pros. Disputing these entries on your own is time-consuming and might be frustrating.

As a final point - you need to get your credit report, identify inaccuracies, and reach out to a trustworthy credit repair company to help 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.

• 8339760552
• 9035938790
• 8886988476
• 8009476229
• 5025155312
• 8662581104
• 8552228463
• 2293825801
• 8774220763
• 5096547110