Optimum Outcomes

Is Optimum Outcomes hurting your credit score?

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Who is Optimum Outcomes?

Optimum Outcomes, Inc. is a debt collection agency based in Raleigh, North Carolina. They pursue unpaid debts on behalf of businesses that lack the time or resources to do this themselves.

If you see Optimum Outcomes listed on your credit report as a collections account, it’s usually because you have an unpaid debt that they’re trying to collect. This could be a debt you’re unaware of, one you’ve forgotten about, or one that you’ve disputed.

Who does Optimum Outcomes collect for?

Optimum Outcomes specializes in providing medical debt collection services for healthcare providers. This includes hospitals, clinics, and other healthcare facilities.

Is Optimum Outcomes legit or a scam?

Optimum Outcomes 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 Optimum Outcomes from my credit report?

Optimum Outcomes 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.

Optimum Outcomes, Inc. Contact Information


Optimum Outcomes, Inc.
421 Fayetteville St. Ste 600
Raleigh, NC 27601

Mailing address:

Optimum Outcomes, Inc.
PO Box 58015
Raleigh, NC 27658

Phone number: (877) 795-9819

Should I contact or pay Optimum Outcomes?

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 debt, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Optimum Outcomes is to work with a credit repair professional. They help remove millions of negative items every year from companies like Optimum Outcomes, Inc. on behalf of their clients.

Will Optimum Outcomes sue me or garnish my wages?

Optimum Outcomes has the legal right to file a lawsuit against you if you fail to repay a debt. If they win the lawsuit, they can obtain a court judgment, which may allow them to garnish your wages or take other measures to recover the debt, depending on the laws in your state.

However, lawsuits and wage garnishments are typically last-resort measures. Before resorting to these steps, Optimum Outcomes will likely make several attempts to contact you about the debt and possibly arrange a repayment plan.

Optimum Outcomes, Inc. 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 Optimum Outcomes 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 Optimum Outcomes, Inc.

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 Optimum Outcomes, Inc. 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.
  • Optimum Outcomes may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Optimum Outcomes 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.
  • Optimum Outcomes cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Optimum Outcomes From Your Credit Report Today!

Credit Saint can assist you in disputing Optimum Outcomes collection 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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