Exeter Finance


Is Exeter Finance hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Exeter Finance?

Exeter Finance, LLC is an auto finance company debt collection agency headquartered in Irving, Texas. They are a subprime auto loan provider to customers with bad credit that offers franchise dealership financing.

You may see Exeter Finance listed on your credit report as a collections account. This can happen if you’ve defaulted on a car loan or fallen behind on your monthly payment.

How can I remove Exeter Finance from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Exeter Finance Corp Contact Information


Exeter Finance
2250 W John Carpenter Fwy #100
Irving, TX 75063

Mailing address:

Exeter Finance
P.O. Box 166008
Irving, TX 75016

Phone number: (800) 321-9637

Should I contact or pay Exeter Finance?

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 Credit reports can contain errors or list debts that are no longer valid.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 Exeter Finance is to work with a credit repair professional. They help remove millions of negative items every year from companies like Exeter Finance on behalf of their clients.

Will Exeter Finance sue me or garnish my wages?

Exeter Finance, similar to other finance companies, has the capacity to take legal action to recover unpaid debts. If they decide to sue and win the lawsuit, they may be granted a court judgment that could lead to wage garnishment as a way to recoup the debt. However, such drastic measures are often considered a final resort in the debt recovery process.

Exeter Finance Reviews & 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 Exeter Finance Corp

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 Exeter Finance 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.
  • Exeter Finance cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Exeter Finance 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.
  • Exeter Finance cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Exeter Finance From Your Credit Report Today!

Credit Saint can help you dispute Exeter Finance collection 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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