If Online Collections GRVL has appeared on your credit report, it could be dragging your credit score down. Collection accounts can stay on your report for years and affect your ability to get loans, credit cards, or even rent an apartment. Here’s what you need to know and how to remove them from your credit report.
Who Is Online Collections GRVL?
Online Collections GRVL is the name you’ll often see on your credit report for debts managed by ONLINE Information Services, Inc. They are a debt collection agency based in Winterville, North Carolina.
If you’ve fallen behind on payments, your account may have been sent to Online Collections GRVL for collection.
Who Does Online Collections GRVL Collect For?
Online Collections GRVL collects debts for businesses in several industries, including:
- Healthcare providers
- Property management companies
- Utility service providers
- Other service-based businesses
Their role is to recover past-due payments for these organizations from consumers.
Is Online Collections GRVL Legitimate?
Yes, Online Collections GRVL is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. That said, always verify the details of any debt before making payments. Mistakes can happen, and not all debts are reported accurately.
How to Remove Online Collections GRVL From Your Credit Report
Collections from Online Collections GRVL can stay on your credit report for up to seven years, but you may be able to remove them sooner with these steps:
- Dispute Errors: If the debt is inaccurate or doesn’t belong to you, file a dispute with the credit bureaus.
- Request Debt Validation: You can demand proof that the debt is valid and belongs to you. If they can’t provide documentation, they must remove the account.
- Negotiate a Pay-for-Delete: In some cases, you may settle the debt in exchange for the account being deleted from your credit report. Always get agreements in writing.
- Work With a Credit Repair Service: Professionals experienced with collections can challenge negative items and improve your chances of removal.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Online Collections GRVL?
Before contacting Online Collections GRVL or making any payments, verify that the debt is legitimate and reported correctly. Some debts are listed in error or may be beyond the legal time limit for collection.
Be aware that making payments can sometimes restart the reporting period, keeping the collection on your credit report longer.
If you’re unsure how to handle the situation, a credit repair company can help guide you through the process.
Online Collections GRVL Contact Information
- Address:
Online Collections GRVL
685 W Fire Tower Rd
Winterville, NC 28590 - Mailing Address:
Online Collections GRVL
P.O. Box 1489
Winterville, NC 28590 - Phone Number: (800) 917-7817
Complaints About Online Collections GRVL
Online Collections GRVL has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect debts listed on credit reports
- Harassing or repeated phone calls
- Failure to properly validate debts
If you experience any of these issues, you can file a complaint to protect your rights.
Can Online Collections GRVL Sue You or Garnish Your Wages?
Yes, Online Collections GRVL has the legal right to sue over unpaid debts. If they win the case in court, they could garnish your wages or levy your bank account, depending on your state’s laws.
However, lawsuits are typically a last resort. Most collection agencies prefer to work out a payment plan or settlement before pursuing legal action.
Your Rights When Dealing With Online Collections GRVL
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors like Online Collections GRVL. These protections include:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of being contacted.
- Harassment, threats, or abusive language is illegal.
- They must clearly identify themselves as a debt collector during calls and in writing.
- They cannot threaten arrest or legal action they aren’t legally allowed to take.
Remove Online Collections GRVL From Your Credit Report Today
Dealing with a collection account from Online Collections GRVL can feel overwhelming, but you don’t have to handle it alone. Credit Saint helps people challenge negative items like collections from Online Collections GRVL. They’ve been helping clients improve their credit for over 15 years and even offer a 90-day money-back guarantee for peace of mind.
Ready to improve your credit? Visit their website or call (855) 281-1510 to get started.
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.
