Dealing with collections on your credit report is frustrating, especially when they’re hurting your credit score. If you’ve spotted D2 Management on your credit report, here’s what you need to know—and how to handle it.
Who Is D2 Management?
D2 Management, LLC is a debt collection agency based in Coosawhatchie, South Carolina. They collect outstanding debts on behalf of other companies.
If you see D2 Management listed on your credit report, it means a debt you owe has been sent to collections. This can happen when a bill goes unpaid for a period of time.
Who Does D2 Management Collect For?
D2 Management works with several businesses to recover unpaid debts. Two known examples include:
- Ace Cash Express – A payday lender offering short-term loans and other financial services.
- HSN (Home Shopping Network) – A retailer selling products through television and online platforms.
If you’ve borrowed from or made purchases with companies like these and missed payments, D2 Management may be trying to collect on the balance.
Is D2 Management Legitimate?
Yes, D2 Management is a real company. They are legally authorized to collect debts for their clients. That doesn’t mean you should take every claim at face value. Always double-check the details before making any payments.
Many consumers feel overwhelmed by the constant calls, emails, or letters that come with debt collection. These tactics are common but can be stressful.
How to Remove D2 Management From Your Credit Report
A collections account can damage your credit score for up to seven years. But you have options to remove it sooner:
- Dispute the account – If you believe the information is inaccurate, file a dispute with the credit bureaus. They are required to investigate.
- Request debt validation – Ask D2 Management to prove the debt is yours and the amount is correct. They must respond within 30 days.
- Negotiate a pay-for-delete – Some collectors agree to remove the account from your credit report in exchange for payment. Get this in writing before sending money.
- Work with a credit repair company – Professionals can assist with challenging questionable accounts and dealing with debt collectors.
Taking action can prevent further damage to your credit and help you move forward.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay D2 Management?
Before contacting D2 Management, confirm the debt is legitimate. Mistakes on credit reports are common, and old or invalid debts sometimes reappear.
Be cautious—making a payment can reset the statute of limitations in some cases, which could affect your legal rights.
Many people choose to work with a credit repair professional instead. These experts challenge inaccurate accounts and help remove millions of negative items from credit reports every year.
D2 Management Contact Information
- Address: 2894 Argent Blvd, Coosawhatchie, SC 29936
- Mailing Address: PO Box 534, Hardeeville, SC 29927-0534
- Phone: (888) 418-3689
Can D2 Management Sue You or Garnish Your Wages?
Debt collectors like D2 Management can sue you over unpaid debts. If they win the case, they may pursue wage garnishment, depending on state laws.
Before that happens, you’ll receive legal notices and have the chance to respond. If you’re facing legal threats, it’s smart to speak with an attorney who understands consumer protection laws.
Complaints Against D2 Management
Like many debt collectors, D2 Management has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect reporting on credit reports
- Harassment or excessive contact
- Failure to properly verify debts
If you believe your rights are being violated, you can file a complaint with these agencies.
Your Rights When Dealing With D2 Management
The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) protect you from unfair treatment. Here are key rights to keep in mind:
- Debt collectors cannot report false or incomplete information
- You can request written proof that the debt is yours and accurate
- Harassment, threats, or abusive language is illegal
- Collectors must be transparent about their identity and purpose
- No one can threaten arrest over unpaid consumer debts
If D2 Management breaks these rules, you have grounds to dispute their actions.
Remove D2 Management From Your Credit Report Today
Collections accounts don’t have to stay on your credit report forever. If you’re ready to take control, Credit Saint can help. They’ve been helping clients dispute inaccurate items for over 15 years.
Their team works directly with the credit bureaus and even offers a 90-day money-back guarantee for peace of mind.
You can get started by visiting their website or calling (855) 281-1510 for a free consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
