Is Harvard Collection Services Hurting Your Credit?

Who is Harvard Collection Services?

Harvard Collection Services, Inc. is a debt collection agency based in Chicago, Illinois. They operate within various cities and towns in the region, including Evanston, Chicago, Joliet, Naperville, and Schaumburg. Their role is to help creditors recover money owed to them by consumers or businesses who have not paid their bills.

You may see Harvard Collection Services, Inc. on your credit report under collection accounts if you have an outstanding bill that hasn’t been paid and has been passed on to their agency.

Who does Harvard Collection Services collect for?

Harvard Collection Services works with a broad spectrum of industries, retrieving unpaid debts for clients in compliance and training, education, financial services, healthcare, government, telecommunications, and utilities sectors.

They handle collections ranging from unpaid certification fees and student loans, through unmet loan or credit card obligations, to unpaid medical bills, governmental fines, and unsettled telecommunications or utilities bills.

Is Harvard Collection Services legit or a scam?

Harvard Collection Services is a legitimate company. They are 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 Harvard Collection Services 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.

Harvard Collection Services, Inc. Contact Information

Address:

Harvard Collection Services
4839 N Elston Ave
Chicago, IL 60630

Phone number: (855) 945-4800 or (844) 886-3705

Should I contact or pay Harvard Collection Services?

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 Credit reports can contain errors or list debts that are no longer valid.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

Will Harvard Collection Services sue me or garnish my wages?

Harvard Collection Services has the legal ability to sue you if you have a significant unpaid debt and other collection attempts have been unsuccessful. If they win the lawsuit and obtain a judgment against you, they could potentially garnish your wages or levy your bank account, depending on the laws in your state.

However, it’s important to remember that lawsuits and wage garnishments are usually seen as last resorts for collection agencies. Before resorting to these measures, they will typically try other methods to recover the debt, such as negotiating a payment plan or offering a settlement.

Harvard Collection Services 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 Harvard Collection Services

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

Remove Harvard Collection Services From Your Credit Report Today!

Credit Saint offers assistance with disputing Harvard Collection Services 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.