How to Remove Exeter Finance From Your Credit Report

Is Exeter Finance hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

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 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.

(Debt collectors may prefer that we don’t mention this, but you have the right to know.)

Lexington Law is a professional credit repair company that works with people who want to fix their credit.

In addition to collections, Lexington Law can work with 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.

Call Lexington Law now to learn more: (800) 220-0084

Exeter Finance Corp Contact Information

Address:

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?

It’s best to avoid speaking to a collection agency 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 Exeter Finance is to work with a credit repair professional. They delete millions of negative items every year from companies like Exeter Finance on behalf of their clients.

And they may be able to help you too.

Will Exeter Finance sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the collection account with the credit bureaus and possibly get it removed from your credit report. It’s also possible that you never hear from or have to deal with Exeter Finance Corp again.

Call Lexington Law to learn how they can help you.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Exeter Finance Corp to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

Exeter Finance Reviews & 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). Lexington Law knows that you have rights, and Exeter Finance does too.

Your Rights When Dealing with Exeter Finance Corp

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Exeter Finance to report inaccurate or incomplete information on your credit report.
  • 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.
  • Exeter Finance may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Exeter Finance 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.
  • Exeter Finance cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Exeter Finance From Your Credit Report Today!

Lexington Law can assist you in disputing Exeter Finance collection accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

If you’re looking for a reputable company to assist you with collection accounts and repair your credit, consider working with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.