How to Remove Covington Credit From Your Credit Report

Is Covington Credit hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

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.

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.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from 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?

Nothing good can come from contacting a collection agency like Covington Credit. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The best way to deal with Covington Credit is to work with a credit repair professional. They delete millions of negative items every year from companies like Covington Credit for millions of clients nationwide.

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 will 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 avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that 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?

The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.

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

When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm 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 collection agency both orally and in writing.
  • Covington Credit cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove Covington Credit From Your Credit Report Today!

Lexington Law specializes in disputing Covington Credit accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

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

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.