Who is CMI Credit Mediators Inc?
CMI Credit Mediators Inc. is a debt collection agency that is based in Upper Darby, Pennsylvania. The company is involved in the collection of debts that people owe to other companies or entities.
If you see CMI Credit Mediators Inc. on your credit report, it generally means you owe a debt. This debt was likely originally owed to a different company. However, due to non-payment, the original creditor transferred it to CMI for collection.
Who does CMI Credit Mediators Inc collect for?
CMI Credit Mediators Inc works with a wide range of businesses to collect debts on their behalf. Their clients can include businesses in sectors such as healthcare, retail, financial services, utilities, and more.
Is CMI Credit Mediators Inc legit or a scam?
CMI Credit Mediators Inc is a legitimate company. However, they may frequently contact you via phone, text, or email to collect a debt.
How can I remove CMI Credit Mediators Inc from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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CMI Credit Mediators Inc Contact Information
Address:
CMI Credit Mediators Inc
414 Sansom St.
Upper Darby, PA 19082
Phone number: (800) 456-3328 or (610)352-5151
Should I contact or pay CMI Credit Mediators Inc?
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 Credit reports can contain errors or list debts that are no longer valid.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 CMI Credit Mediators Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like CMI Credit Mediators Inc. on behalf of their clients.
Will CMI Credit Mediators Inc. sue me or garnish my wages?
CMI Credit Mediators Inc. may sue you if they are not able to collect the owed debt. If the agency wins the lawsuit, they could receive a judgment from the court that allows them to garnish your wages or levy your bank account to recover the debt.
However, each case is unique, and the likelihood of them suing you depends on factors like the amount of debt, the age of the debt, and state laws.
CMI Credit Mediators Inc 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 CMI Credit Mediators Inc.
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 CMI Credit Mediators Inc. 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.
- CMI Credit Mediators Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- CMI Credit Mediators Inc. 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.
- CMI Credit Mediators Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove CMI Credit Mediators Inc. From Your Credit Report Today!
Credit Saint offers assistance with disputing CMI Credit Mediators Inc. collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
