Who is Online In Sv?
Online In Sv, aka Online Information Services, Inc., is a debt collection agency located in Winterville, North Carolina.
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 Online In Sv collect for?
Online In Sv collects for companies such as credit card issuers, healthcare providers, mortgage lenders, property managers, and utility service providers.
Is Online In Sv legit or a scam?
Online In Sv / Online Information Services is a legitimate company. They’ve been in business since 1977. However, they may repeatedly spam call, text, or email you.
How can I remove ‘Online In Sv’ from my credit report?
Online Information Services 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Online Information Services, Inc./Online In Sv Contact Information
Address:
Online Information Services, Inc.
685 W Fire Tower Rd
Winterville, NC 28590
Mailing address:
Online Information Services, Inc.
PO Box 1489
Winterville, NC 28590
Phone number: (800) 917-7817
Should I contact or pay Online In Sv?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Online In Sv to work with a credit repair professional. They help remove millions of negative items every year from companies like Online In Sv on behalf of their clients.
Will Online In Sv sue me or garnish my wages?
It’s possible that a collection agency will take legal action, but if you work with a law firm like Lexington Law, you have nothing to worry about. They can help you dispute the inaccurate collection account with the three major 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 Online In Sv again.
Is Online In Sv hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.
Online In Sv 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.
Your Rights When Dealing with Online Information Services
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, the FDCPA 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 Online Information Services 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.
- Online Information Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Online Information Services 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.
- Online Information Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Online In Sv From Your Credit Report Today!
Lexington Law can assist you in disputing Online In Sv collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
