LTD Financial Services


Is LTD Financial Services 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 LTD Financial Services?

LTD Financial Services, LP is a debt collection agency located in Houston, Texas. They collect unpaid debts on behalf of various businesses.

If LTD Financial Services appears on your credit report as a collections account, it typically means that they have acquired or been assigned a debt you allegedly owe. This scenario usually arises when an individual defaults on a bill payment or loan repayment.

Who does LTD Financial Services collect for?

LTD Financial Services has a wide-ranging clientele, primarily in the financial sector. They work with major financial institutions, such as Chase Bank, Citibank, and Discover Bank, to manage and collect overdue debts from credit cards, loans, or other financial products.

Additionally, LTD Financial Services handles defaulted private student loans. In this capacity, they work with companies like United Guaranty Corporation, among others, to collect on delinquent or defaulted student loans.

Is LTD Financial Services legit or a scam?

LTD Financial 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 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.

(While debt collectors may not want this information to be 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 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.

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?

Before contacting a collection agency, 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 LTD Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like LTD Financial Services on behalf of their clients.

Will LTD Financial Services, LP sue me or garnish my wages?

LTD Financial Services, LP does have the ability to sue for unpaid debts. If they choose to go this route and the court rules in their favor, they could potentially garnish your wages or levy your bank account, depending on your state’s laws.

However, taking legal action is typically a last resort for debt collection agencies. Before it reaches this point, you would usually be given multiple opportunities to arrange a payment plan or negotiate a settlement.

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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Remove LTD Financial Services From Your Credit Report Today!

Credit Saint can assist you in disputing LTD Financial Services 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.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.