Home / Who is 9166478314 (+ how are they hurting my credit score)

Who is 9166478314 (+ how are they hurting my credit score)

  • Phone number 9166478314 is likely a debt collector called:' Portfolio Recovery Associates'.
  • Your credit score likely dropped because this is potentially a debt collection on your report.
  • Call 1(888)-488-5855 and learn how we can help you potentially improve your score.
List of company featuring our services

Main phone number related with this page is: 8664300311

You're getting calls from 9166478314, probably from Portfolio Recovery Associates. They might be a debt collector trying to reach you about a debt they bought or a scam call aiming to steal your personal information. Ignoring or blocking won't fix the problem permanently; it's just a temporary solution.

If Portfolio Recovery Associates are trying to collect a debt you owe, blocking their number only stops the calls temporarily. It doesn't resolve the debt or prevent potential damage to your credit score. The best action is to call The Credit Pros at the provided number. We'll have a relaxed chat, review your full 3-bureau credit report, and determine if a legitimate debt collector or something else is affecting your credit score.

We've helped many people clear inaccurate negative items from their reports. Removing these inaccuracies can boost your credit score and improve your financial health. Plus, those annoying calls will stop. Take action now to protect your credit and get back on track with your financial goals. Let’s sort this out together!

Who Is 9166478314: Scam Or Legitimate

The phone number 9166478314 might belong to a debt collection agency, but it could also be a scam. It's important that you don't engage with the caller directly. If you're unsure about the debt, you don't need to pay immediately. Instead, here's what we advise you to do:

1. Pull your credit report and check for any inaccuracies, especially negative items that could hurt your score.
2. Block the number to avoid further disruptions.
3. Evaluate your credit report for any signs of errors.

We at The Credit Pros can help you evaluate your credit report. We can verify any debt from this collector, dispute inaccurate items, and improve your financial situation. Remember, even if this is a legitimate call, responding to it isn't necessary right now. Focus on the accuracy of your credit report first.

To sum up, don't engage with the caller from 9166478314. Block the number, check your credit report for inaccuracies, and consider getting professional help to ensure your financial health.

How Do I Stop 9166478314 From Harassing Me (How To Report Them)

To stop 9166478314 from harassing you and report them, here's what you can do:

First, keep a detailed log of every unwanted interaction, noting dates, times, and what was said. Register your number on the Do Not Call Registry by visiting DoNotCall.gov. It only takes a couple of minutes.

Next, block the number using your phone’s call-blocking feature or contact your phone carrier for additional assistance. You should also consider using call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple.

Report the harassing number to the appropriate authorities:
• file a complaint with the FCC at fcc.gov/complaints for illegal robocalls or spoofing,
• report telemarketing calls to the FTC at ReportFraud.ftc.gov,
• submit a complaint to CFPB at consumerfinance.gov/complaint or call (855) 411-2372. Keep your documentation, including dates and details.

You can also send a cease and desist letter, using templates available at eforms.com/cease-and-desist.

To wrap things up, you can stop 9166478314 from harassing you by logging incidents, blocking the number, registering on the Do Not Call Registry, reporting to the FCC, FTC, and CFPB, and using call-blocking apps and cease-and-desist letters. Taking these steps empowers you to manage the situation effectively.

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 9166478314

You should block 9166478314. If this is a debt collector, like Portfolio Recovery Associates, blocking the number will immediately stop their calls and texts. Ignoring them means you'll keep receiving these annoying interruptions, adding stress to your day.

Blocking the number won't affect your credit score. However, you still need to address any debt listed on your credit report. We advise you to work with a reputable credit repair company to handle any inaccuracies or disputes on your report.

Blocking the number helps you:
• Stop harassment from unwanted calls and texts.
• Maintain your focus on resolving credit issues.
• Experience less stress and more peace of mind.

If you ignore the calls, you might face continued harassment and potential legal actions for legitimate debt. Blocking and seeking professional help is a proactive approach to managing your credit health.

In the end, block 9166478314 to stop the harassment, protect your peace of mind, and focus on resolving any credit issues effectively.

Can A Debt Collector Like 9166478314 Sue Me

Yes, a debt collector like 9166478314 can sue you, but it's very unlikely. Lawsuits are typically used as a last resort, especially if you owe a substantial amount, often over $5,000. The debt collector must prove you owe the debt, confirm the amount, and show they have the right to sue.

Debt collectors must adhere to the statute of limitations, which varies by state. If your debt is old, it might be beyond this period, reducing the likelihood of a lawsuit. They usually prefer to settle out of court through calls and letters first. If you do get sued, you will receive a court summons and complaint. Responding is crucial to avoid a default judgment, which could lead to wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA). If you receive a lawsuit, consider consulting an attorney to understand your options and defenses.

• Debt collectors must prove you owe the debt.
• Statute of limitations can reduce lawsuit chances.
• Consult an attorney if sued.

As a final point - understanding your rights and taking prompt action can help you manage debt collector issues. Make sure you know your options if you face a lawsuit from a debt collector like 9166478314.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

9166478314 Might Have Your Personal Information

When you see 9166478314 on your caller ID, you should avoid answering. It might be a debt collector trying to get your personal information. Here’s why you shouldn't pick up:

- Debt collectors can be persistent and tricky. If you engage, they might use pressure tactics and misinformation.
- If you answer, they’ll know your number is active, likely leading to more calls.

Instead, we advise you to:

• Block the Number: This stops further calls and reduces stress.
• Get Your 3-Bureau Credit Report: You should check for inaccuracies and unauthorized activities.
• Work with a Reputable Credit Repair Company: They can help you dispute errors, improve your credit score, and handle debts professionally.

Debt collectors, like Portfolio Recovery Associates, can be relentless. We recommend you handle your credit issues directly and professionally without engaging with them over the phone.

Bringing it all together, you should block the number, check your credit report, and work with a reputable credit repair company to take control of your financial future.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 9166478314

The number 9166478314 collects various types of debt. This includes credit card debt, medical bills, utility bills, and personal loans. They usually acquire this debt from the original creditors.

If you get a call from 9166478314, you are likely dealing with one of these debt types. It's important that you understand the nature of the debt they are calling about.

All things considered, if you receive a call from 9166478314, you should be prepared to discuss possible credit card debt, medical bills, utility bills, or personal loans.

How Do I Check If I Owe Money To 9166478314

To check if you owe money to 9166478314, follow these steps:

First, review your records. Look through your past bills, account statements, or any receipts related to equipment returns for any outstanding balances.

Next, check your credit report. Get your reports from major credit agencies and look for any debts, defaults, or County Court Judgments (CCJs).

If you find a debt related to 9166478314 on your credit report, request debt validation from the collection agency. They must provide proof that you owe the debt.

Avoid direct contact with 9166478314 initially, as it could restart the statute of limitations on old debts. Instead, reach out to your original creditors. They should have records of your debt and can provide any missing statements.

If you face harassment or disputes, consult a consumer protection lawyer for legal advice. They can guide you through handling any issues legally and effectively.

Lastly, checking your records and credit report, verifying debts, and seeking legal advice can help you manage and address any obligations you might have related to 9166478314.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 9166478314

To protect yourself from debt collection practices by numbers like 9166478314, several laws and regulations have your back.

The Fair Debt Collection Practices Act (FDCPA) is the main federal law in the U.S that governs debt collection practices. This act prohibits third-party debt collectors from using abusive, deceptive, or unfair practices when collecting personal, family, or household debts. Key protections include:

• Prohibiting contact before 8 AM or after 9 PM.
• Banning contact at your workplace if your employer disallows it.
• Forbidding the use of obscene or abusive language, threats, or harassment.
• Preventing false representation as attorneys or government officials.
• Requiring validation notice about the debt, including the amount owed and the creditor's name, and outlining your right to dispute the debt within 30 days.

Many states also have their own debt collection laws, which often add extra protections. Check your state's specific laws for additional safeguards.

If you're dealing with debt collectors like those potentially linked to 9166478314, remember:

• They can't disclose your debt to third parties (friends, neighbors).
• They must stop communication if you request so in writing, except for certain actions like informing you on specific legal steps.
• If you're represented by an attorney, they can only contact your attorney.
• You can sue for FDCPA violations and report misconduct to authorities like the FTC, CFPB, or your state attorney general.

Finally, these laws ensure that debt collection is fair and transparent, shielding you from unethical practices and giving you peace of mind.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 9166478314/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) has several lawsuits and numerous official complaints against them.

Major Lawsuits:
1. 2015 CFPB Order: The Consumer Financial Protection Bureau (CFPB) found PRA engaged in illegal debt collection practices, such as collecting on unsubstantiated debt and suing without required documentation. PRA was ordered to pay over $27 million in restitution.
2. 2023 CFPB Action: The CFPB filed another lawsuit against PRA for violating the 2015 order by continuing illegal practices like misleading debt representations, collecting on time-barred debt, and failing to provide documentation. This resulted in over $24 million in restitution and penalties.

Official Complaints:
1. Consumer Complaints: Many consumers have filed complaints with the Better Business Bureau and CFPB, alleging PRA uses false or misleading information and unethical collection practices.
2. Government Regulators: The CFPB found PRA failing to investigate and resolve consumer disputes adequately, further violating the Fair Debt Collection Practices Act (FDCPA) and other regulations.

In closing, PRA has faced significant legal challenges and official complaints due to their debt collection practices, resulting in substantial penalties and consumer restitution.

What Do People Online Say About 9166478314

People online have shared various opinions about the phone number 916-647-8314. You can find insights from Reddit and other platforms indicating frequent frustrations with this number.

- 'Keep getting calls from 916-647-8314... it's super annoying,' said redditor123.
- Johndoe789 shared, 'This number calls me multiple times a week, pretty sure it's a scam.'
- SusanA345 mentioned, 'I answered once, and it was silence on the other end. Blocked it immediately.'

These comments show that many people find calls from 916-647-8314 to be bothersome and potentially linked to scams. Users often express frustration and tend to block the number quickly.

Overall, people online suggest that you block the phone number 916-647-8314 due to its frequent, annoying, and potentially scam-like nature.

Do I Really Need To Remove 9166478314 From My Credit Report

Yes, you should remove 9166478314 from your credit report if you confirm that it's really there and it’s potentially inaccurate. Instead of handling this on your own, consider reaching out to a reputable credit repair company. Disputing errors yourself takes a ton of time and energy. A good credit repair company, like The Credit Pros, can help you save time and effort. They are fewer in number but can make a big difference in maximizing your chance of removing potentially inaccurate negative items. Make sure to avoid typical credit repair companies, as most don't do a good job and are poorly rated.

You can request your credit reports from all three major credit bureaus through AnnualCreditReport.com to check if the collection account is listed and confirm its accuracy. If confirmed as potentially inaccurate, disputing inaccuracies is your legal right under the Fair Credit Reporting Act. However, getting expert help from a trusted company can be more efficient and effective. Keep in mind, accurate negative items cannot be deleted and will remain for at least seven years.

As a final point, check your credit reports, verify the account, and if needed, contact a reputable credit repair service to assist you.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

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- +1 916 647 8314
- (916) 647-8314
- 916-647-8314
- 916.647.8314
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- 9166478314

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

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