Is CHECKredi hurting your credit score?

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Who is CHECKredi?

CHECKredi of Kentucky, LLC is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., with offices in Lexington, Kentucky, and Huntsville, Alabama. They specialize in managing payments and handling collections related to insufficient funds or bounced checks.

If CHECKredi appears on your credit report as a collections account, it generally signifies that a check you wrote was returned due to insufficient funds in your bank account, and the resulting debt was handed over to CHECKredi for collection.

Who does CHECKredi collect for?

CHECKredi primarily serves businesses by providing electronic payment processing services and handling check collections. They work with a diverse range of businesses, helping them to effectively process transactions and recover funds from checks that have been returned due to insufficient funds.

Is CHECKredi legit or a scam?

CHECKredi is a legitimate 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 CHECKredi Collections from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

(Though debt collectors may not want this 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 assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

CHECKredi of Kentucky, LLC Contact Information


406 Park Place
Lexington, KY 40511

4925 Sparkman Dr.
Huntsville, AL 35810

Phone number:

Lexington: 800-742-2925

Huntsville: 800-239-1222

Should I contact or pay CHECKredi?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Will CHECKredi sue me or garnish my wages?

The potential for CHECKredi to sue or garnish your wages would depend on multiple factors, including the size of the debt and the specific circumstances surrounding it. However, initiating a lawsuit is usually considered a last resort due to the cost and time involved.

Before considering legal action, CHECKredi will likely make numerous attempts to collect the debt using conventional methods, such as phone calls, letters, or proposing a payment plan. If these methods fail and the agency decides to pursue legal action, they could potentially garnish your wages or seize assets, assuming they win the lawsuit and such actions are allowed by your state’s laws.

CHECKredi Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with CHECKredi

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for CHECKredi 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • CHECKredi cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • CHECKredi must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • CHECKredi cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove CHECKredi From Your Credit Report Today!

Credit Saint can help you dispute CHECKredi collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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