Convergent Outsourcing

Who is Convergent Outsourcing?

Convergent Outsourcing, Inc., formerly ER Solutions, is a debt collection agency located in Renton, Washington. Their role involves collecting debts from individuals who have defaulted on their payments.

If you see Convergent Outsourcing on your credit report, it typically means that you have an unpaid bill that has been handed over to them for collection.

Who does Convergent Outsourcing collect for?

Convergent Outsourcing is one of the largest debt buyers in the United States, serving a wide range of clients. They manage the collection of debts for financial institutions such as Credit One Bank and PayPal, telecommunication giants like Sprint and Verizon, as well as healthcare providers for medical debts.

Is Convergent Outsourcing legit or a scam?

Convergent Outsourcing is a legitimate debt collection company. They’ve been in business since 1950, and 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 Convergent Outsourcing 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.)

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.

Convergent Outsourcing, Inc. Contact Information

Address:

Convergent Outsourcing, Inc.
800 SW 39th St Suite #100
Renton, WA 98057-4975

Phone number: (800) 444-8485

Should I contact or pay Convergent Outsourcing?

It’s best to avoid speaking to a debt 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.

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

Will Convergent Outsourcing sue me or garnish my wages?

It’s possible for Convergent Outsourcing to sue you if you fail to repay a debt. If the lawsuit is successful and they obtain a court judgment against you, they might be able to garnish your wages or take other measures to recover the debt. This depends on the specific laws of your state.

Convergent Outsourcing, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If you find yourself facing any of these situations with Convergent Outsourcing, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Convergent Outsourcing, Inc.

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

• It is a violation of federal law for Convergent Outsourcing to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send Convergent Outsourcing a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• Convergent Outsourcing cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Convergent Outsourcing 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.
• Convergent Outsourcing cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Convergent Outsourcing From Your Credit Report Today!

Credit Saint can help you dispute Convergent Outsourcing 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.