Kinum, Inc.

Who is Kinum?

Kinum, Inc. is a third-party collection agency with offices in Indianapolis, Indiana, and Virginia Beach, Virginia. They assist businesses in recouping funds owed to them by individuals who have defaulted on their debts.

If you find Kinum listed on your credit report, it indicates that you have a collections account, typically a result of an unpaid bill.

Who does Kinum collect for?

Kinum provides their debt collection services to an extensive range of industries. Their client base is diversified, encapsulating sectors such as commercial businesses, educational institutions, healthcare providers, professional services, residential services, retail businesses, and general service providers.

Is Kinum, Inc. legit or a scam?

Kinum is a legitimate debt collection 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 Kinum Collections from my credit report?

Kinum 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.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

Kinum, Inc. Contact Information

Addresses:

Kinum, Inc.
8200 Haverstick Rd #220
Indianapolis, IN 46240

Kinum, Inc.
770 Lynnhaven Pkwy #160
Virginia Beach, VA 23452

Phone number: (888) 281-1750

Should I contact or pay Kinum, Inc.?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Will Kinum, Inc. sue me or garnish my wages?

Kinum, Inc. has the ability to take legal action to collect outstanding debts. This can potentially include filing a lawsuit against you. If a court judgment is obtained against you, the company may have the right to garnish your wages, levy your bank accounts, or place a lien on your property, depending on the laws in your specific jurisdiction.

However, this is typically a last resort for most debt collection agencies. The process of filing a lawsuit, winning the case, and executing a judgment is expensive and time-consuming.

Kinum, Inc. 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 you find yourself facing any of these situations with Kinum, you should also 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 Kinum, Inc.

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, it 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 Kinum 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.
• Kinum may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Kinum 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.
• Kinum cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Kinum From Your Credit Report Today!

Credit Saint can assist you in disputing Kinum collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.