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?
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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on 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.
CMI Credit Mediators Inc Contact Information
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?
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 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
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 a debt collector is harassing you, you may want to 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 CMI Credit Mediators Inc.
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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- CMI Credit Mediators Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- CMI Credit Mediators Inc. 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.
- CMI Credit Mediators Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove CMI Credit Mediators Inc. From Your Credit Report Today!
Lexington Law can assist you in disputing CMI Credit Mediators Inc. collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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