If 09 Tempoe LLC just popped up on your credit report, you might be wondering who they are—and what they’re doing there. This guide breaks it all down and explains how to get the account removed if it’s hurting your credit.
What Is 09 Tempoe LLC?
09 Tempoe LLC, also known as Tempoe Financial, is a leasing company based in Cincinnati, Ohio. They offer lease-to-own options for things like electronics, furniture, appliances, jewelry, auto accessories, and phones—no credit check required.
If you signed a lease through Tempoe and stopped making payments, they may have reported the account to the credit bureaus as a collection. That’s how you end up with a negative mark on your credit report.
Is 09 Tempoe LLC a Real Company?
Yes, 09 Tempoe LLC is a legitimate business. They are legally allowed to collect payments and report accounts to the credit bureaus. But just because they’re real doesn’t mean every account they report is accurate. Mistakes happen all the time, so it’s important to confirm the debt is valid before taking action.
Steps to Remove 09 Tempoe LLC From Your Credit Report
Collection accounts can drag down your credit score and stay on your report for up to seven years. Here are some ways to potentially get the account removed:
- Dispute inaccurate information – If anything about the account looks off (wrong balance, dates, or status), file a dispute with the credit bureaus.
- Try a pay-for-delete offer – You can ask 09 Tempoe LLC to delete the account in exchange for payment. Not every company agrees, but some do.
- Get professional help – A credit repair company can review your report and work on your behalf to remove incorrect or damaging items.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay 09 Tempoe LLC?
Before paying anything, make sure the debt is legitimate and within the statute of limitations in your state. If the debt is old, incorrect, or not yours, paying could hurt more than help—it can restart the clock and keep the account on your report longer.
If you’re unsure how to move forward, it might make sense to bring in a credit repair expert who knows how to deal with companies like Tempoe.
Can 09 Tempoe LLC Take Legal Action?
It’s possible, but not their first move.
Debt collectors often try phone calls and letters before taking anyone to court. That said, if you owe a large amount and ignore them long enough, they could sue. If they win the case, they may be able to garnish your wages or freeze your bank account.
Whether they pursue legal action depends on the balance, how old the debt is, and the laws in your state.
Complaints About 09 Tempoe LLC
Tempoe has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues include:
- Inaccurate credit reporting
- Failure to respond to disputes
- Aggressive or repetitive contact attempts
If you feel your rights are being violated, or you’re being harassed, you can file a formal complaint with the CFPB or your state attorney general.
Your Rights Under Credit and Collection Laws
Federal laws like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) protect you from unfair treatment. Here’s what that means:
- You can dispute false or outdated information.
- You have the right to request debt validation. Tempoe must show proof the debt is real and the amount is correct.
- They can’t harass or threaten you. That includes repeated calls, profanity, or public shaming.
- They must identify themselves as a debt collector. Both over the phone and in writing.
- They cannot threaten arrest. Unpaid debts are not criminal matters.
Contact Details for 09 Tempoe LLC
Here’s how to reach them if you want to verify the debt or send a dispute:
Address:
Tempoe, LLC
720 E Pete Rose Way, Suite 400
Cincinnati, OH 45202
Phone: (844) 483-6763
Get Help Removing 09 Tempoe LLC From Your Report
You don’t have to deal with this alone. Credit Saint has years of experience helping people remove negative accounts like 09 Tempoe LLC from their credit reports.
If you’re feeling stuck or overwhelmed, working with professionals can make the process faster and less stressful. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
