Is Fidelity National Collections Hurting Your Credit?

Who is Fidelity National Collections?

Fidelity National Collections, also known as Fidelity Properties, Inc., is a debt collection agency based in Alliance, Ohio. They work on behalf of creditors to collect unpaid debts.

If you see Fidelity National Collections on your credit report, it likely indicates that you have an outstanding debt which has been transferred to them for collection.

Who does Fidelity National Collections collect for?

Fidelity National Collections mainly collects for healthcare service providers. This indicates that the debt they are attempting to recover likely stems from unpaid medical bills.

Is Fidelity National Collections legit or a scam?

Fidelity National Collections is a legitimate company and not a scam. However, as with any other collections agency, it’s essential to verify any debt they claim you owe.

How can I remove Fidelity National Collections from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Fidelity National Collections Contact Information

Address:

Fidelity National Collections
885 S Sawburg Ave Ste 103
Alliance, OH 44601

Phone number: (800) 860-9701

Should I contact or pay Fidelity Collections?

Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Fidelity National Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Fidelity National Collections on behalf of their clients.

Will Fidelity National Collections sue me or garnish my wages?

Fidelity National Collections is legally entitled to sue you to recover an unpaid debt. If they win the lawsuit, they may be granted a judgment by the court that could allow them to garnish your wages or levy your bank account, depending on your state’s laws.

However, before it gets to that point, the company will likely try several other methods to collect the debt. They may send you letters, call you, and report the debt to the credit bureaus.

Fidelity National Collections 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 Fidelity National Collections

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

Remove Fidelity Collections From Your Credit Report Today!

Credit Saint offers assistance with disputing Fidelity National Collections accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.