Who is Suburban Credit Corporation?
Suburban Credit Corporation (SCC) is a debt collection agency located in Alexandria, Virginia. They focus on recovering unpaid debts.
If you have an outstanding bill or debt that remains unpaid, it is possible to see Suburban Credit Corporation listed on your credit report as a collections account.
Who does Suburban Credit Corporation collect for?
Suburban Credit Corporation specializes in the collection of various debts, including commercial debts, dishonored claims, medical claims, and utility debts. They work on behalf of businesses, healthcare providers, and utility companies to recover outstanding amounts.
Is Suburban Credit Corporation legit or a scam?
Suburban Credit Corporation 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 Suburban Credit Corporation 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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Suburban Credit Corporation (SCC) Contact Information
Suburban Credit Corporation
6142 Franconia Rd
Alexandria, VA 22310
Phone number: (703) 924-3000
Should I contact or pay Suburban Credit Corporation?
Nothing good can come from speaking to a third-party 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 Suburban Credit Corporation is to work with a credit repair professional. They help remove millions of negative items every year from companies like Suburban Credit Corporation on behalf of their clients.
Will Suburban Credit Corporation sue me or garnish my wages?
Suburban Credit Corporation has the ability to pursue legal action to collect unpaid debts. This may involve filing a lawsuit against you. If they are successful in obtaining a court judgment, they may have the authority to garnish your wages or utilize other legal means to recover the debt, depending on the laws and regulations of your specific jurisdiction. However, while they have the option to take legal action, not all collection agencies choose to do so in every case.
Suburban Credit Corporation 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 Suburban Credit Corporation
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 Suburban Credit Corporation 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.
- Suburban Credit Corporation may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Suburban Credit Corporation 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.
- Suburban Credit Corporation cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Suburban Credit Corporation From Your Credit Report Today!
Credit Saint can assist you in disputing Suburban Credit Corporation 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.
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