Kay Jewelers Collections

Updated

Is Kay Jewelers Collections hurting your credit score?

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

Who is Kay Jewelers?

Kay Jewelers aka Sterling Jewelers, Inc. is a retail jewelry store with over 3,500 stores in the US, UK, and Canada. Kay is a subsidiary company of the world’s largest retailer of diamond jewelry, Signet Jewelers.

If you’ve had a Kay Jewelers credit card that went into default, you may see them listed on your credit report as a collections account. The Kay Jewelers credit card is issued by Comenity Bank.

How can I remove Kay Jewelers Collections from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

Kay Jewelers Contact Information

Address:

Kay Jewelers
375 Ghent Road
Akron, OH 44333

Phone number: (800) 527-8029 or (800) 877-8194

Should I contact or pay Kay Jewelers Collection Agency?

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 Credit reports can contain errors or list debts that are no longer valid.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. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

However, if your account is still with Kay, it’s best to call customer service at the phone number below to try to work out a payment plan.

The most effective way to deal with Kay Jewelers Collection Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Kay Jewelers on behalf of their clients.

Will Kay Jewelers sue me or garnish my wages?

Kay Jewelers, like other creditors, is entitled to pursue legal action if you fail to repay your debts. If Kay Jewelers decides to sue you and obtains a judgment in their favor, they may seek wage garnishment or levy your bank accounts to collect the outstanding debt.

However, legal action and wage garnishment are typically considered last resorts. Creditors often prefer to explore alternative options, such as negotiation, payment arrangements, or settlements, before resorting to such measures.

Kay Jewelers Collection Agency 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.

Remove Kay Jewelers Collections From Your Credit Report Today!

Credit Saint can help you dispute Kay Jewelers collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

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