How to Remove First Direct Mediation From Your Credit Report

Who is First Direct Mediation?

First Direct Mediation, Inc. is a debt collection agency based in Amherst, New York. Their role is to pursue debts on behalf of creditors.

If First Direct Mediation has contacted you or appears on your credit report, it’s likely due to an outstanding debt they are attempting to collect.

Who does First Direct Mediation collect for?

First Direct Mediation collects for payday lenders and other creditors. Payday lenders provide short-term, high-interest loans, often to individuals with poor credit or financial difficulties. These lenders may engage collection agencies like First Direct Mediation when borrowers default on their loans.

Is First Direct Mediation legit or a scam?

First Direct Mediation is a legitimate company. They operate within legal parameters to collect debts on behalf of their clients. Despite their legitimacy, it’s critical to verify any debts they claim you owe.

How can I remove First Direct Mediation 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.

First Direct Mediation Contact Information

Address:

First Direct Mediation, Inc.
3380 Sheridan Dr. Suite 105
Amherst, NY 14226

Phone number: (833) 709-2888

Should I contact or pay First Direct Mediation?

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 Credit reports can contain errors or list debts that are no longer valid.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

Will First Direct Mediation sue me or garnish my wages?

First Direct Mediation has the legal right to sue you for the unpaid debt. If they initiate a lawsuit and win, the court may grant them a judgment that allows them to garnish your wages or levy your bank account. The specifics of this process can vary depending on the laws in your state or jurisdiction.

However, it’s important to note that lawsuits are typically a last resort for debt collection agencies, given their cost and complexity.

First Direct Mediation 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 First Direct Mediation

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

Remove First Direct Mediation From Your Credit Report Today!

Credit Saint offers assistance with disputing First Direct Mediation collection 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.