If you found LTD Financial Services on your credit report, it likely means you have a debt in collections. This can hurt your credit score and make it harder to qualify for new credit. But that doesn’t mean you’re stuck with it.
Here’s what to know about LTD Financial Services—and how to get them removed from your credit report.
Who Is LTD Financial Services?
LTD Financial Services, LP is a debt collection agency based in Houston, Texas. They collect overdue debts on behalf of banks, credit card companies, and other lenders. If you see their name on your credit report, it means they’re trying to collect on a debt that was either sold to them or assigned for recovery.
Who Does LTD Financial Services Collect For?
LTD Financial Services works with big-name creditors across several industries. Their clients include:
- Major banks like Chase, Citibank, and Discover
- Lenders that issue private student loans
- Financial service providers and loan servicers
They often pursue unpaid credit card balances, defaulted student loans, and other financial debts.
Is LTD Financial Services a Legitimate Company?
Yes, LTD Financial Services is a real and legally authorized debt collection agency. However, even legitimate debt collectors can report incorrect information or violate consumer rights. Always verify any debt before agreeing to pay.
How to Remove LTD Financial Services From Your Credit Report
A collection account can stay on your credit report for up to seven years, but there are ways to remove it sooner—especially if the account is inaccurate.
Here are three common strategies:
- Dispute any errors – If the account is incorrect or outdated, file a dispute with the credit bureaus. They must investigate and remove unverifiable information.
- Request debt validation – Send a debt validation letter to LTD Financial Services asking them to prove the debt is yours and that the amount is correct.
- Negotiate a pay-for-delete – If the debt is valid, you can try to negotiate a deal: pay the debt in exchange for LTD removing it from your credit report. Not all collectors agree to this, but it’s worth asking.
You can also hire a reputable credit repair company to do this work for you, especially if you’re unsure how to handle disputes or negotiations.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay LTD Financial Services?
Before paying, confirm the debt is:
- Legally yours
- Still within the statute of limitations
- Reported accurately on your credit file
Paying a collection account can sometimes reset the clock on how long it stays on your credit report. That’s why it’s important to know your rights and proceed carefully.
Can LTD Financial Services Sue You?
They can. Like many debt collectors, LTD Financial Services may choose to sue if a debt goes unpaid. If they win a court judgment, they could:
- Garnish your wages
- Levy your bank account
- Place a lien on your property (depending on your state laws)
That said, lawsuits are typically a last resort. Most collection agencies prefer to settle the matter before going to court.
LTD Financial Services Contact Information
- Address: 7322 Southwest Fwy, Suite 1600, Houston, TX 77074
- Phone: (800) 741-2100
Complaints Against LTD Financial Services
LTD Financial Services has received consumer complaints through the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Attempts to collect on debts already paid
- Harassment or repeated calls
- Failure to verify a debt when asked
- Reporting inaccurate information to the credit bureaus
If you’re experiencing any of these issues, you can file a formal complaint and may want to speak with a credit professional.
Know Your Rights Under Federal Law
You’re protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws give you the right to:
- Dispute inaccurate information on your credit report
- Request proof that a debt is valid
- Be treated respectfully and without harassment by debt collectors
If LTD Financial Services violates these rights, you may have grounds to pursue legal action or force a removal.
Remove LTD Financial Services From Your Credit Report Today
Dealing with collection accounts can be frustrating, especially when you’re working to rebuild your credit. The good news? You don’t have to do it alone.
Credit Saint has helped thousands of people remove inaccurate or unverifiable items from their credit reports—including collections from LTD Financial Services. And if they don’t get results, they offer a 90-day money-back guarantee.
Call (855) 281-1510 or click here to schedule a free consultation and get expert help with your credit.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
