Who is Credit Management Company?
Credit Management Company (CMC) is a debt collection agency located in Pittsburgh, Pennsylvania.
You may see CMC collection agency listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Credit Management Company collect for?
Credit Management Company collects debts and provides accounts receivable services for clients in the following industries:
- commercial
- financial services
- government
- healthcare
- higher education
Is Credit Management Company legit or a scam?
Credit Management Company is a legitimate company. However, their approach to debt recovery may involve persistent forms of contact, including frequent phone calls, texts, or emails. While these methods can feel intrusive, they typically fall within the legal guidelines of debt collection.
How can I remove Credit Management Company 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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Credit Management Company (CMC) Contact Information
Address:
Credit Management Company
2121 Noblestown Road
Pittsburgh, PA 15205
Phone number: (800) 472-1483
Should I contact or pay Credit Management Company?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Management Company on behalf of their clients.
Will Credit Management Company sue me or garnish my wages?
Credit Management Company has the legal ability to sue you for unpaid debts. If they decide to file a lawsuit and if the court rules in their favor, they could potentially garnish your wages or levy your bank account.
However, wage garnishment is generally seen as a last resort, typically employed after several attempts to collect the debt through other means have been unsuccessful. Before they can garnish your wages, they first need to file a lawsuit, win the case, and obtain a court order allowing wage garnishment.
Credit Management Company 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 Credit Management Company
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 Credit Management Company 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.
- Credit Management Company cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Management Company 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.
- Credit Management Company cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Credit Management Company From Your Credit Report Today!
Credit Saint offers assistance with disputing CMC 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.
