Who is LTD Financial Services?
LTD Financial Services, LP is a debt collection agency located in Houston, Texas. You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does LTD Financial Services collect for?
LTD Financial Services collects debts for financial institutions such as Chase Bank, Citibank, Discover Bank, and defaulted private student loan for companies such as United Guaranty Corporation.
How can I remove LTD Financial Services from my credit report?
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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
LTD Financial Services, LP Contact Information
LTD Financial Services
7322 Southwest Fwy Ste 1600
Houston, TX 77074
Phone number: (800) 741-2100
Should I contact or pay LTD Financial Services, LP?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to handle this is to work with a credit repair professional. They delete millions of negative items every year from companies like LTD Financial Services for millions of clients nationwide.
And they may be able to help you too.
Will LTD Financial Services, LP sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with LTD Financial Services again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Is LTD Financial Services hurting my credit score?
The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.
Debt collectors often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.
LTD Financial Services, LP 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 a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and LTD Financial Services does too.
Remove LTD Financial Services From Your Credit Report Today!
Lexington Law specializes in disputing LTD Financial Services accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
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