How to Remove Second Round Sub, LLC From Your Credit Report

Second Round Sub, LLC, also known as Second Round, LP, is a debt collection company based in Austin, Texas. They focus on collecting unpaid debts that have been sold to them by original lenders or other collection agencies.

If you see Second Round Sub on your credit report, it usually means they’ve purchased an old debt you once owed.

Who Does Second Round Sub Collect For?

Second Round Sub is considered a junk debt buyer. They purchase “charged-off” debts that lenders have written off as unlikely to be paid. These can include:

• Credit card balances
• Auto loans
• Utility bills
• Other personal debts

Original creditors often sell these accounts for pennies on the dollar to companies like Second Round Sub. From there, Second Round Sub tries to collect the full amount, making a profit on the difference.

Is Second Round Sub Legitimate?

Yes, Second Round Sub, LLC is a real company. They’ve been operating since 2008 and are legally allowed to collect debts. That said, you should always verify the debt before paying. Never assume a debt listed is accurate without checking the details.

How to Remove Second Round Sub From Your Credit Report

Collections can lower your credit score and stay on your credit report for up to seven years. But there are steps you can take to address them:

• Dispute errors: Check your credit report for mistakes. If the account details are incorrect, file a dispute with the credit bureaus.
• Negotiate a pay-for-delete: In some cases, you can offer to settle the debt in exchange for having the collection account removed. Get any agreement in writing.
• Work with a credit repair service: Professionals can help challenge collections and dispute inaccuracies on your behalf.

Should You Pay Second Round Sub?

Before making payments, confirm the debt is valid and accurate. Incorrect information can harm your credit, and paying on an old debt can restart the collection timeline in some cases.

The safest approach is to consult a credit repair company. They know how to deal with agencies like Second Round Sub and can help you protect your credit.

Can Second Round Sub Sue You or Garnish Your Wages?

Debt collectors, including Second Round Sub, can file lawsuits to collect unpaid debts. If they win, they may pursue:

• Wage garnishment
• Bank account levies
• Property liens

However, this depends on your state’s laws and the size of the debt. Not every account leads to legal action, but it’s best to address collection accounts quickly to avoid the risk.

Complaints About Second Round Sub

Second Round Sub has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Most complaints involve:

• Inaccurate credit reporting
• Failure to validate debts
• Harassment or aggressive collection tactics

If you feel your rights are being violated, you can file a complaint with these agencies.

Know Your Rights When Dealing With Second Round Sub

Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect you from unfair treatment. Your rights include:

• You can request written validation of the debt. They must provide proof within 30 days.
• They cannot report false or incomplete information.
• Harassment, threats, or abusive language is illegal.
• They must clearly state they are a debt collector when contacting you.
• They cannot threaten jail time or legal consequences they have no intention of pursuing.

Understanding these rules helps protect your credit and prevents abusive collection tactics.

Second Round Sub Contact Information

Physical Address:
Second Round Sub
1701 Directors Blvd, Suite 900
Austin, TX 78744

Mailing Address:
Second Round Sub
P.O. Box 41955
Austin, TX 78704

Phone Numbers:
(866) 950-6357
(512) 448-2600

Take the Next Step Toward Better Credit

Struggling with collection accounts like Second Round Sub? Credit Saint can help you dispute inaccurate items and improve your credit health. They’ve been helping clients for over 15 years and even offer a 90-day money-back guarantee for added peace of mind.

Visit their website or call (855) 281-1510 to learn more.