How to Remove Covington Credit From Your Credit Report

Is Covington Credit hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable negative information from their credit reports.

Who is Covington Credit?

Covington Credit is a provider of installment loans in Alabama, Georgia, Oklahoma, South Carolina, Tennessee, and Texas. They are a subsidiary of Southern Management Corporation (SMC) headquartered in Greenville, South Carolina.

You may see Covington Credit listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Covington Credit collect for?

Covington Credit specializes in recovering past due debts on behalf of original creditors.

Is Covington Credit legit or a scam?

Covington Credit is a legitimate company. They’ve been in business since 1981.

How can I remove Covington Credit from my credit report?

Covington Credit 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.)

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, Lexington Law 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.

Call Lexington Law now to learn more: (800) 220-0084

Covington Credit Contact Information

Address:

Covington Credit
2101 Main St. Ste D
Columbia, SC 29201

Mailing address:

Covington Credit
P.O. Box 1947
Greenville, SC 29602

Phone number: (866) 413-1836

Should I contact or pay Covington Credit?

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 Covington Credit is to work with a credit repair professional. They help remove millions of negative items every year from companies like Covington Credit on behalf of their clients.

And they may be able to help you too.

Will Covington Credit sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the Covington Credit debt with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Covington Credit again.

Call Lexington Law to learn how they can help you.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Covington Credit to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

Is Covington Credit hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.

Covington Credit 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 Covington Credit, 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). Lexington Law knows that you have rights, and Covington Credit does too.

Your Rights When Dealing with Covington Credit

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Covington Credit to report inaccurate or incomplete information on your credit report.
  • 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.
  • Covington Credit may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Covington Credit 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.
  • Covington Credit cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Covington Credit From Your Credit Report Today!

Lexington Law can assist you in disputing Covington Credit accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

If you’re looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.