Fair Collections and Outsourcing

Is Fair Collections and Outsourcing hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Fair Collections & Outsourcing?

Fair Collections & Outsourcing, Inc. (FCO) is a debt collection agency headquartered in Beltsville, Maryland. They function to pursue the payment of debts owed by individuals or businesses.

If you find FCO listed on your credit report, it typically implies that you have an outstanding payment. This could be a result of unpaid bills that have been forwarded to them for collection by the original creditor.

Who does Fair Collections & Outsourcing collect for?

Fair Collections & Outsourcing provides its services to a diverse range of clients. They have a particular emphasis on collecting student accounts, student housing accounts, military housing accounts, senior or assisted living accounts, as well as commercial property collections.

Is Fair Collections & Outsourcing legit or a scam?

Fair Collections & Outsourcing is a legitimate company. They are legally 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 Fair Collections & Outsourcing 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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

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

In addition to collections, they 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.

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

Fair Collections and Outsourcing (FCO) Contact Information

Address:

Fair Collections and Outsourcing
12304 Baltimore Ave Suite E
Beltsville, MD 20705

Phone number: (877) 324-7265 or (877) 324-7959

Should I contact or pay Fair Collections & Outsourcing?

It’s best to avoid speaking to a debt collector 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 Fair Collections & Outsourcing is to work with a credit repair professional. They help remove millions of negative items every year from companies like Fair Collections & Outsourcing on behalf of their clients.

Will Fair Collections and Outsourcing sue me or garnish my wages?

Fair Collections & Outsourcing (FCO) could potentially sue you if you have a significant outstanding debt that you haven’t paid, and all their attempts to collect it have been unsuccessful. If FCO sues you and obtains a court judgment against you, they may have the ability to garnish your wages or levy your bank account, depending on the laws in your specific state.

However, the process of suing a debtor is often considered a last resort due to its costliness and time-consuming nature. Therefore, FCO would likely attempt to establish a payment plan or settlement with you before considering legal action.

Fair Collections and Outsourcing 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 Fair Collections and Outsourcing

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Fair Collections and Outsourcing 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.
  • Fair Collections and Outsourcing may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Fair Collections and Outsourcing 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.
  • Fair Collections and Outsourcing cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Fair Collections and Outsourcing From Your Credit Report Today!

Lexington Law can assist you in disputing Fair Collections and Outsourcing collections. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.