Torres Credit Services


Is Torres Credit Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Torres Credit Services?

Torres Credit Services, Inc. is a third-party debt collection agency located in Carlisle, Pennsylvania. The company specializes in recovering unpaid debts on behalf of businesses.

If Torres Credit Services appears on your credit report, it indicates they have either purchased or been assigned your debt from an original creditor. This typically happens if you’ve failed to pay a bill.

Who does Torres Credit Services collect for?

Torres Credit Services operates in various sectors, providing debt collection for utility companies, consumer retail businesses, tax and municipality firms, and bad check cases. They assist utility companies with unpaid bills and help consumer retail businesses recover delinquent accounts.

They manage debt for public entities like tax and municipality companies, and help businesses recover funds from returned checks due to insufficient funds or closed accounts.

Is Torres Credit Services legit or a scam?

Torres Credit Services is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Torres Credit Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Torres Credit Services, Inc. Contact Information


Torres Credit Services
27 Fairview St. Ste 301
Carlisle, PA 17015

Phone number: (866) 756-6802

Should I contact or pay Torres Credit Services?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Torres Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Torres Credit Services, Inc. on behalf of their clients.

Will Torres Credit Services sue me or garnish my wages?

Torres Credit Services, Inc. has the legal ability to sue you for an unpaid debt. If a judgment is made in their favor by a court, they may be able to garnish your wages or bank accounts to recover the debt, depending on the laws of your state. However, it’s important to remember that a lawsuit is typically the last resort for debt collectors.

Torres Credit Services, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Remove Torres Credit Services From Your Credit Report Today!

Credit Saint can help you dispute Torres Credit Services accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.