Who is 9476668604 (+ how are they hurting my credit score)

If you received a call from 947-666-8604, it’s likely from Midland Credit Management (MCM). While MCM is a legitimate debt collection agency, you should still be cautious since scams posing as debt collectors exist. It’s important that you don't engage directly. Instead, follow these steps:

• Pull your credit report and check for any potentially inaccurate or negative items.
• If you find Midland Credit Management listed as a collection item, the call is more likely legitimate.
• Contact a reputable credit repair company like The Credit Pros for help verifying any debt, disputing inaccuracies, and improving your financial situation.

Remember, you're not obligated to pay any debt immediately, especially if you're unsure about its validity.

To sum up, if 947-666-8604 calls you, verify your credit report, look for Midland Credit Management, and contact a reputable credit repair service if needed.

To stop 9476668604 from harassing you and report them, follow these steps:

First, document every unwanted interaction. Keep a detailed log with dates, times, and any abusive language used. This helps when reporting the harassment.

Next, register your number at DoNotCall.gov and block the number on your phone. You can also contact your service provider for assistance.

Consider escalating measures if the harassment continues:
• Apply for a restraining order if the calls persist or threats escalate.
• Consult a harassment lawyer, as harassment is illegal under Federal and State laws.
• Send a cease and desist letter using a template from eforms.com/cease-and-desist.

Use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for iPhone to prevent further calls.

File complaints with relevant authorities:
• Submit a complaint with the FCC at fcc.gov/complaints.
• Report the number to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.
• Reach out to the Consumer Financial Protection Bureau. You can submit a complaint at consumerfinance.gov/complaint, call (855) 411-2372, or write to CFPB at 1700 G Street, NW, Washington, DC 20552.

If you use Nomorobo, make sure to report the unwanted robocalls through their platform. Additionally, contact your phone carrier to ask about built-in call-blocking tools and options.

Finally, explore resources through your local or state consumer protection office for more assistance.

To wrap things up - documenting interactions, registering on the Do Not Call Registry, using call-blocking apps, and filing complaints with authorities are clear steps to handle and report harassment from 9476668604 effectively.

You should block the number 9476668604 if you're being contacted by Midland Credit Management (MCM), a debt collector. Blocking the number won't negatively impact your credit score. Ignoring or blocking the calls can prevent harassment and stress.

Blocking won't cause your score to drop. If MCM is already on your credit report as a collection, the damage is done. Blocking or ignoring future calls won't make it worse.

We advise you to:
- Block the number to stop unwanted calls
- Contact a credit repair company for assistance
- Focus on resolving any credit issues without dealing with constant calls

In the end, blocking the number helps you avoid stress, and working with a credit repair company ensures you handle any credit report disputes effectively.

Yes, a debt collector like the one calling from 9476668604 can sue you, but it's unlikely. Debt collectors usually resort to suing as a last option, mainly for debts over $5,000. They need to prove you owe the debt, the amount is correct, and they have the right to sue, which is challenging if the debt has changed hands many times.

It's expensive and time-consuming for them to sue, so they often prefer to settle out of court. Also, each state has a statute of limitations that limits the time frame for filing lawsuits on old debts. If your debt is beyond this period, a lawsuit is improbable.

Usually, debt collectors stick to calls and letters first. If they decide to sue, you will receive a court summons and complaint. It's crucial you respond within the deadline to avoid a default judgment, which might lead to wage garnishment or bank account levies.

You are protected under the Fair Debt Collection Practices Act (FDCPA) from abusive practices. If you get sued, consulting an attorney can help you understand your options and defenses.

Here are some things you can do:
- Verify the debt to ensure it's yours.
- Don't provide personal financial information unless you are sure the collector is legitimate.
- Be aware that the statute of limitations might prevent them from suing if the debt is old.

As a final point - remember, debt collectors can sue, but it's very rare. Verify the debt, know your rights under the FDCPA, and seek legal advice if needed to protect yourself fully.

If you get a call from 9476668604, you should avoid sharing any personal information. This number is likely from a debt collector and engaging could bring unnecessary stress.

You should block their number to end the calls. Instead, focus on obtaining your 3-bureau credit report. This will give you a clear understanding of your financial situation.

It's often wise to work with a reputable credit repair company. They can handle inaccuracies and disputes on your credit report, making the process of improving your credit score more efficient.

Bringing it all together - If you receive a call from 9476668604, block the number, get your credit report, and consider working with a credit repair company to protect your financial health.

9476668604 is associated with Midland Credit Management (MCM), a company that deals with various types of delinquent debts. They collect debts such as overdue payments on credit cards, phone bills, auto loans, utility bills, and back taxes. You will likely hear from them if they have purchased your debt from an original creditor, aiming to recover the full amount or as much as possible.

If you receive a call from 9476668604, it's crucial that you understand they might contact you via phone, mail, or even through personal visits. You should be prepared to handle these communications carefully.

All things considered, if you get a call from 9476668604, it means Midland Credit Management is trying to collect on debts like unpaid credit card bills or auto loans. Be proactive and informed about your debts and how to handle such calls.

To check if you owe money to 9476668604, follow these steps:

1. Do not call the number directly: Instead, gather your billing and financial records. Look for any final bills, account statements, or receipts that might indicate an unpaid debt.

2. Check your credit report: Look for any debts listed there. If you find the debt on your report, you can be more certain about its legitimacy.

3. Request debt validation: If 9476668604 appears as a debt collector, you have the right to request a debt validation letter. This should provide detailed information about the debt, including the name of the original creditor, the amount owed, and your right to dispute the debt.

4. Verify the legitimacy: Make sure you ask detailed questions about the debt and request they send official documentation through the mail. Scrutinize the details to ensure it's not a scam.

5. Do not provide personal information: Do not share your bank account, routing numbers, or Social Security number until you have verified the caller’s legitimacy.

6. Consult a consumer protection lawyer: If you face any harassment or have doubts about the legitimacy of the debt collection efforts, consider consulting a lawyer.

Lastly, make sure you verify any debts and protect yourself from potential scams by being proactive and thorough in your approach.

You have several laws and regulations to protect you from debt collectors like Midland Credit Management.

The main federal law is the Fair Debt Collection Practices Act (FDCPA). This law prevents debt collectors from using abusive, deceptive, or unfair practices. For example, they can't call you before 8 AM or after 9 PM, contact you at work if it's not allowed, or use abusive language. They also can't repeatedly call to harass you, threaten violence, or disclose your debt to third parties.

Debt collectors must provide you with certain information, like a validation notice that includes the amount owed and the creditor's name. If you dispute the debt within 30 days, they must verify it before continuing collection efforts.

In addition to the FDCPA, the Telephone Consumer Protection Act (TCPA) limits how debt collectors can use automated calls to reach you.

States have their own laws too. For instance, some states require debt collectors to have licenses or follow stricter rules than the FDCPA. Check with your state attorney general for specific protections available to you.

You can stop a debt collector from contacting you by sending a written request. You also have the right to sue for FDCPA violations and recover damages. If you face issues, you can report it to agencies like the Consumer Financial Protection Bureau (CFPB) or your state's attorney general.

Finally, remember that these laws are here to protect you, so use them to ensure fair treatment.

Yes, Midland Credit Management (MCM) has had numerous lawsuits against them.

For example, in the case of David Warner vs. Midland Credit Management, Inc., the plaintiff accused MCM of violating the Fair Debt Collection Practices Act (FDCPA) and California's Rosenthal Fair Debt Collection Practices Act through unlawful debt collection practices. Additionally, MCM, often with Midland Funding LLC, files thousands of debt collection lawsuits annually against consumers involving charged-off debt purchased from original creditors.

You might also find various consumer complaints lodged against MCM with the Better Business Bureau (BBB) regarding their debt collection practices. Government bodies have also scrutinized and taken action against MCM, although specific cases aren't often publicized.

If you are facing issues with MCM's debt collection practices, consider consulting a legal professional to understand your rights and potential defenses.

In closing, yes, MCM has faced many lawsuits and regulatory actions. You should stay informed about your rights and consult a lawyer if you need help.

People online have mixed opinions about the phone number 9476668604.

Some users report that the number is associated with warranty fraud, often calling with recorded messages (robocalls). One individual mentioned being contacted and, upon answering, found the call disconnected. When they called back, a person with an accent claimed to be from health and human services, but the conversation seemed like a scam, prompting the user to hang up.

Others shared experiences of being repeatedly called from different numbers even after requesting to be placed on a do-not-call list. There were also reports of the caller making recipients press an option, then hanging up, which led to a flood of calls from other confused recipients.

Overall, many people see 9476668604 as a source of scams, robocalls, and persistent harassment, leading to widespread frustration and caution.

Yes, you should consider removing 9476668604 from your credit report if it's inaccurate. Start by verifying its accuracy. If you find any discrepancies, dispute the item directly with credit agencies and lenders. This process can be time-consuming and frustrating without the right knowledge.

Instead, you might want to reach out to a reputable credit repair company like The Credit Pros. Many credit repair companies have poor ratings and ineffective services, so choose wisely. A good credit repair company can help you remove inaccurate items, boost your score, and improve your financial health.

As a final point, it’s essential that you address inaccuracies on your credit report. Verify the information, and if needed, seek professional help to ensure your credit report accurately reflects your financial history.

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.

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