If Paragon Contracting Services has appeared on your credit report, it could be lowering your credit score. Here’s what you need to know about this collection agency and how to get their account removed.
Who Is Paragon Contracting Services?
Paragon Contracting Services is a debt collection agency located in Fort Lauderdale, Florida. They work with businesses to recover unpaid debts.
If their name shows up on your credit report, it typically means a past-due account has been sent to collections. This can stay on your credit report for up to seven years and hurt your credit score.
Who Does Paragon Contracting Services Collect For?
Paragon Contracting Services works with original creditors from different industries, including:
- Retail companies
- Healthcare providers
- Utility companies
- Financial service businesses
They are hired to recover unpaid balances or other debts that consumers have fallen behind on.
Is Paragon Contracting Services Legitimate?
Yes, Paragon Contracting Services is a real debt collection agency. But that doesn’t mean every account they report is correct. Mistakes happen, so it’s important to verify the details before paying or acknowledging a debt.
You have the legal right to request proof that the debt belongs to you and that the amount is accurate.
How to Remove Paragon Contracting Services From Your Credit Report
Collections can lower your credit score, but there are ways to get them removed:
- Dispute Inaccurate Information: If the account is incorrect, incomplete, or outdated, file a dispute with the credit bureaus to have it removed.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account if you settle the debt. Always get this agreement in writing before making a payment.
- Work With a Credit Repair Company: Credit repair professionals can challenge negative accounts and help clean up your credit report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Paragon Contracting Services?
Before contacting them, make sure the debt is valid and still within the statute of limitations in your state. Paying an old debt can restart the clock, keeping the account on your credit report longer.
Many people work with credit repair experts who understand how to handle agencies like Paragon Contracting Services and protect their credit.
Can Paragon Contracting Services Sue You or Garnish Your Wages?
They have the legal right to sue for unpaid debts. If they win the lawsuit, they could garnish your wages, levy your bank account, or place a lien on your property, depending on state laws.
That said, lawsuits are time-consuming and costly. Most collection agencies try to work out payment plans or settle debts before pursuing legal action.
Complaints About Paragon Contracting Services
Like many debt collectors, Paragon Contracting Services has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate reporting
- Harassment or aggressive collection tactics
- Refusing to verify debts when requested
If your rights are being violated or you’re experiencing harassment, you can file a complaint with these agencies.
Your Rights When Dealing With Paragon Contracting Services
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. These laws help ensure your rights and your credit are protected.
Here’s what those protections include:
- They cannot report false or incomplete information about you
- You can request debt validation within 30 days. They must prove the debt belongs to you and that the amount is correct
- Harassment, threats, repeated calls, or abusive language are illegal
- They must clearly state who they are and that they are collecting a debt
- They cannot threaten arrest or jail for unpaid debts
Paragon Contracting Services Contact Information
- Address: 1309 N Flagler Dr, Fort Lauderdale, FL 33304
- Phone Number: (954) 475-1300
Remove Paragon Contracting Services From Your Credit Report Today
Collections can damage your credit for years, but you don’t have to deal with it alone. Credit Saint has helped thousands of people dispute inaccurate negative items on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
If you’re ready to take control of 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.
