Who is Red Credit Solutions?
Red Credit Solutions, LLC is a debt collection agency and debt buyer based in Omaha, Nebraska. Their primary role is to collect debts on behalf of clients or to buy overdue debts directly from original creditors.
If you have failed to pay a bill, the original creditor may sell the debt to Red Credit Solutions or contract them to collect it on their behalf. If this occurs, you might see them appear on your credit report as a collections account.
Who does Red Credit Solutions collect for?
Red Credit Solutions operates as a debt buyer, which means it purchases delinquent debts directly from companies across various industries. Once the debt is bought, they are entitled to collect the full amount of the debt.
These industries can range from credit card companies to healthcare providers, telecommunications, utilities, and more. The specific companies they work with can vary, but their operations span across multiple sectors.
Is Red Credit Solutions legit or a scam?
Red Credit Solutions, LLC is a legitimate company. However, their methods for debt collection can sometimes feel intrusive and may include repeated calls, texts, or emails.
How can I remove Red Credit Solutions 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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Red Credit Solutions, LLC Contact Information
Red Credit Solutions, LLC
6910 Pacific St. Ste 425
Omaha, NE 68106
Phone number: (844) 861-2856 or (402) 933-0015
Should I contact or pay Red Credit Solutions?
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 Red Credit Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Red Credit Solutions on behalf of their clients.
Will Red Credit Solutions sue me or garnish my wages?
As with any debt collection agency, Red Credit Solutions does have the legal ability to sue for unpaid debts. If they initiate a lawsuit and win, a judgment could be issued against you, potentially leading to wage garnishment or other forms of collection, depending on the specific laws in your jurisdiction.
However, it’s important to understand that the journey from initiating a lawsuit to wage garnishment can be a lengthy, complicated, and costly process for the debt collector. They may prefer to avoid this route if an alternative can be found. Often, they may be open to discussing a repayment plan or negotiating a settlement for less than the full amount of the debt.
Red Credit Solutions 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 Red Credit Solutions
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Red Credit Solutions 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.
- Red Credit Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Red Credit Solutions 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.
- Red Credit Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Red Credit Solutions From Your Credit Report Today!
Credit Saint can assist you in disputing Red Credit Solutions 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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