Who is Credit Protection Association?
Credit Protection Association (CPA) is a third-party debt collection agency headquartered in Dallas, Texas. They are responsible for recovering overdue debts on behalf of creditors.
If you notice CPA listed on your credit report, this usually signifies that you have an unpaid debt that has been transferred to them. This transfer often happens when you fail to pay a bill and the original creditor decides to outsource the debt collection process.
Who does Credit Protection Association collect for?
Credit Protection Association provides debt collection services mainly for cable, telecom, and utility companies. They step in when customers of these companies fail to pay for the services rendered. The role of CPA is to recover these outstanding debts, ensuring that these service providers are paid for the services they have already provided.
Is Credit Protection Association legit or a scam?
Credit Protection Association, LP is a legitimate debt collection company. However, as is common with many debt collection agencies, their methods can often be persistent and may feel intrusive. They may frequently contact you via phone calls, texts, or emails to attempt to recover the owed debt.
How can I remove Credit Protection Association 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.)
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In addition to collections, they can help 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.
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Credit Protection Association, LP (CPA) Contact Information
Credit Protection Association, LP
13355 Noel Rd Ste 2100
Dallas, TX 75240
Phone number: (800) 800-6499
Should I contact or pay Credit Protection Association?
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 a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Protection Association on behalf of their clients.
Will Credit Protection Association sue me or garnish my wages?
Credit Protection Association does have the legal right to sue you for the outstanding debt. If they file a lawsuit and the court rules in their favor, they may be granted a judgment that allows them to garnish your wages or possibly levy your bank accounts, depending on the specific laws in your state.
However, it’s important to understand that most collection agencies view lawsuits as a last resort because of the costs and time involved. Before considering legal action, CPA will typically attempt to recover the debt through conventional means, such as phone calls, letters, and offering payment plans.
Credit Protection Association 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 Credit Protection Association
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Credit Protection Association 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.
- Credit Protection Association may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Protection Association 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.
- Credit Protection Association cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Credit Protection Association From Your Credit Report Today!
Credit Saint can assist you in disputing CPA collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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