Exeter Finance

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.

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

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

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

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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Exeter Finance Corp

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 about you.
• 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!

Credit Saint can assist you in disputing Exeter Finance collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.