Is Dyck-O’Neal hurting your credit score?

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Who is Dyck-O’Neal?

Dyck-O’Neal, Inc. is a national debt collection agency and debt buyer based in Dallas, Texas. As a debt collector, its primary role is to collect overdue payments from individuals on behalf of various organizations or to recover debt it has purchased.

If Dyck-O’Neal is listed on your credit report as a collections account, it signifies that they have assumed responsibility for collecting an unpaid debt that you owe.

Who does Dyck-O’Neal collect for?

Dyck-O’Neal specializes in collecting mortgage-related debts. Their purview includes mortgage deficiencies, deficiency judgments, non-performing and sub-performing liens, real estate loans, short sale workout notes, and commercial real estate debt.

Is Dyck-O’Neal legit or a scam?

Dyck-O’Neal is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Dyck-O’Neal Collections from my credit report?

Dyck-O’Neal 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Dyck-O’Neal, Inc. Contact Information


Dyck-O’Neal, Inc.
3100 Monticello Ave Ste 650
Dallas, TX 75205

Phone number: (800) 447-2481 or (877) 425-7131

Should I contact or pay Dyck-O’Neal, Inc.?

Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Dyck-O’Neal is to work with a credit repair professional. They help remove millions of negative items every year from companies like Dyck-O’Neal on behalf of their clients.

Will Dyck-O’Neal, Inc. sue me or garnish my wages?

Dyck-O’Neal, Inc. does have the potential to take legal action, including lawsuits, to recover unpaid debts. If they are successful in court and obtain a judgment against you, they may be able to garnish your wages or levy your bank account to recoup the debt.

However, this course of action is generally a last resort. Lawsuits can be costly and time-consuming, so they typically attempt to work out payment plans or settlements with debtors first.

Dyck-O’Neal, Inc. 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 Dyck-O’Neal

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 Dyck-O’Neal 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.
  • Dyck-O’Neal cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Dyck-O’Neal 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.
  • Dyck-O’Neal cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Dyck-O’Neal From Your Credit Report Today!

Credit Saint can help you dispute Dyck-O’Neal accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.