Is CACH LLC hurting your credit score?

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Who is CACH LLC?

CACH LLC is a debt collection agency and junk debt buyer located in Greenville, South Carolina. These types of agencies purchase unpaid debt portfolios from other companies at a discounted rate and then attempt to collect the full debt amount from the debtor.

As part of its operations, CACH LLC outsources the management of its debt portfolio to Resurgent Capital Services. So, if CACH LLC appears on your credit report as a collections account, it signifies that they have bought a debt you owe and are attempting to collect the payment.

Who does CACH LLC collect for?

CACH LLC primarily operates within the financial services industry. They purchase unpaid debts from various companies within this sector. The original creditors might be banks, credit card issuers, or other financial institutions.

Is CACH LLC legit or a scam?

CACH LLC is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove CACH LLC from my credit report?

CACH LLC collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to CACH LLC collections, they may also be able to help you remove other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

CACH LLC Contact Information

Payment Address:

CACH LLC / Resurgent Capital Services
PO Box 10466
Greenville, SC 29603

Phone number: (888) 665-0374

Should I contact or pay CACH LLC?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with CACH LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like CACH LLC on behalf of their clients.

Will CACH LLC sue me or garnish my wages?

CACH LLC, like any other debt collection agency, does have the legal right to sue you for an unpaid debt. If they obtain a judgment against you in court, they could potentially garnish your wages or take other collection actions, such as placing a lien on your property or levying your bank account.

The specifics of what a creditor can do after obtaining a judgment vary by state. Also, remember that going to court is usually the last resort for debt collectors. Legal proceedings can be time-consuming and expensive.

CACH LLC Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with CACH LLC, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with CACH LLC

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for CACH LLC to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • CACH LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • CACH LLC must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • CACH LLC cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove CACH LLC From Your Credit Report Today!

Credit Saint can assist you in disputing CACH LLC accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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