Seeing Convergent Outsourcing on your credit report usually means you have an unpaid debt that’s gone to collections. These accounts can lower your credit score and stay on your report for up to seven years—unless you take steps to remove them.
Here’s how to deal with Convergent Outsourcing and improve your credit.
What Is Convergent Outsourcing?
Convergent Outsourcing, Inc.—formerly known as ER Solutions—is a third-party debt collection agency based in Renton, Washington. They’ve been collecting debts since 1950 and are one of the largest debt collectors in the country.
If they appear on your credit report, it’s because they’ve been assigned or sold a debt from one of your past creditors.
Who Does Convergent Outsourcing Collect For?
Convergent works with a wide range of companies, including:
- Banks and lenders like Credit One Bank and PayPal
- Telecom providers such as Verizon and Sprint
- Healthcare companies for unpaid medical bills
They buy or collect debts from various industries, which means you could see their name show up for different types of unpaid bills.
Is Convergent Outsourcing Legit?
Yes, Convergent Outsourcing is a legitimate and licensed debt collection agency. But even legitimate agencies make mistakes. That’s why it’s so important to confirm whether the debt they’re reporting is actually yours—and reported correctly—before paying anything.
How to Remove Convergent Outsourcing From Your Credit Report
A collection account can do serious damage to your credit score. Here are four ways to remove or resolve it:
1. Dispute Any Errors With the Credit Bureaus
If the information reported by Convergent is inaccurate—wrong amount, wrong dates, or even the wrong person—submit a dispute directly to the credit bureaus. They’re required to investigate and correct any mistakes.
2. Send a Debt Validation Letter
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask for proof that the debt is yours. Send a debt validation letter within 30 days of hearing from Convergent Outsourcing. If they can’t validate the debt, they must stop trying to collect and remove the entry from your credit report.
3. Negotiate a Pay-for-Delete
If the debt is accurate, you can try to negotiate a pay-for-delete agreement. This means you agree to pay the debt, and in return, they agree to remove the account from your credit report. Get this agreement in writing before sending any payment.
4. Hire a Credit Repair Company
If you’re not comfortable handling disputes or negotiations yourself, a reputable credit repair company can help. They handle disputes, contact collection agencies, and work to get negative marks removed on your behalf.
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 Convergent Outsourcing?
Don’t rush to contact them or send payment before confirming the debt is valid. Doing so could reset the statute of limitations on the debt, which might make it legally collectible again—even if it was close to expiring.
If you choose to deal with them directly, always communicate in writing. Avoid phone calls, and never admit to owing the debt unless you’re certain it’s correct.
Can Convergent Outsourcing Sue You?
Yes, they can—but lawsuits are rare and usually a last resort. If Convergent does sue you and wins, they could:
- Garnish your wages
- Place a lien on your property
- Freeze your bank account
Your risk depends on the size of the debt and your state’s laws. If you’re being threatened with legal action, consider speaking with an attorney or credit expert.
Convergent Outsourcing Contact Information
Here’s how to reach Convergent if you need to send a validation letter or formal dispute:
Convergent Outsourcing, Inc.
800 SW 39th St, Suite #100
Renton, WA 98057-4975
Phone: (800) 444-8485
Complaints Against Convergent Outsourcing
Like many debt collectors, Convergent has received numerous complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints focus on:
- Inaccurate debt reporting
- Repeated or harassing phone calls
- Failure to provide debt verification
If you experience any of these issues, consider filing a formal complaint—and keep written records of all your interactions.
Your Rights When Dealing With Convergent Outsourcing
Under federal law, you have the right to be treated fairly and to dispute debts. The FDCPA and Fair Credit Reporting Act (FCRA) protect you from unethical collection practices. Convergent cannot:
- Report debts without verifying accuracy
- Harass or threaten you
- Call you repeatedly or use abusive language
- Misrepresent who they are
- Threaten arrest or legal action they can’t take
You also have the right to request written validation of the debt within 30 days of first contact.
Get Help Removing Convergent Outsourcing From Your Credit Report
If you’re overwhelmed or unsure how to handle Convergent Outsourcing, a credit repair company like Credit Saint can help. They’ve helped thousands of people challenge negative entries and improve their credit scores.
Call (855) 281-1510 or visit their website for a free consultation.
