Who is Credit Solutions, LLC?
Credit Solutions, LLC is a debt collection agency located in Lexington, Kentucky that operates to recover outstanding debts on behalf of various creditors.
The agency’s role is to contact individuals who have unpaid bills or debts that have been transferred to them by the original creditor. This generally happens when the original debt has been unpaid for an extended period and the original creditor has not been able to recover the debt themselves.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Credit Solutions, LLC collect for?
Credit Solutions, LLC collects debts on behalf of credit card companies, banks, auto lenders, student loan providers, healthcare providers, utilities, and other service providers.
Is Credit Solutions, LLC legit or a scam?
Credit Solutions, LLC is a legitimate company. However, their methods of communication can often be persistent, leading to frequent calls, texts, or emails. While this can feel intrusive, it’s part of their process to recover the debts owed to their clients.
How can I remove Credit Solutions LLC 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 Solutions, LLC Contact Information
Credit Solutions, LLC
2277 Thunderstick Drive Suite 400
Lexington, KY 40505
Phone number: (859) 273-2477
Should I contact or pay Credit Solutions, LLC?
It’s best to avoid speaking to a debt collector 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 Solutions, LLC on behalf of their clients.
Will Credit Solutions, LLC sue me or garnish my wages?
Credit Solutions, LLC, like any debt collection agency, can legally sue for unpaid debts. If a lawsuit is initiated and the court rules in their favor, they could potentially garnish your wages or levy your bank account, depending on your state’s laws. This process involves taking a portion of your wages or funds directly from your bank to satisfy the debt.
However, this is usually a last resort for debt collection. Prior to any legal action, you’re typically provided the opportunity to arrange a payment plan or negotiate a settlement.
Credit Solutions, LLC 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 Solutions, LLC
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a collection agency 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 Solutions, LLC 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 Solutions, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Solutions, LLC 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 Solutions, LLC cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Credit Solutions, LLC From Your Credit Report Today!
Credit Saint can assist you in disputing Credit Solutions, LLC 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.
Ready to Repair Your Credit?
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