Who is Premiere Credit of North America, LLC?
Premiere Credit of North America, LLC is a debt collection agency and accounts receivable management firm located in Indianapolis, Indiana. They were acquired by Performant Recovery in August 2018.
If you see Premiere Credit of North America listed on your credit report as a collections account, it implies you have a debt that has been handed over to them for recovery, likely due to non-payment.
Who does Premiere Credit of North America collect for?
Premiere Credit of North America collects for various sectors, including unpaid college tuition, governmental debts at all levels, delinquent federal and private student loans, unsettled healthcare bills, and utility services.
Is Premiere Credit of North America legit or a scam?
Premiere Credit of North America 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 Premiere Credit of North America 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.)
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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.
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Premiere Credit of North America, LLC Contact Information
Premiere Credit of North America
2002 Wellesley Boulevard
Indianapolis, IN 46219
Phone number: (866) 808-7118
Should I contact or pay Premiere Credit of North America?
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 Premiere Credit of North America is to work with a credit repair professional. They help remove millions of negative items every year from companies like Premiere Credit on behalf of their clients.
Will Premiere Credit of North America sue me or garnish my wages?
Premiere Credit of North America, LLC, like other similar organizations, has the ability to sue for unpaid debts. If they win a lawsuit against you, they may be able to garnish your wages depending on the regulations in your specific state. However, this is usually a last resort as the process can be costly and time-consuming.
Premiere Credit of North America, LLC 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. Premiere Credit of North America currently has an A+ rating with the Better Business Bureau.
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 Premiere Credit of North America, LLC
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector 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 Premiere Credit of North America 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.
- Premiere Credit of North America may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Premiere Credit of North America 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.
- Premiere Credit of North America cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Premiere Credit of North America From Your Credit Report Today!
Credit Saint can assist you in disputing Premiere Credit of North America 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.
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