Torres Credit Services

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 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.)

Professional credit repair services work with people who want to get their credit back on track.

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.

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

Torres Credit Services, Inc. Contact Information

Address:

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

Phone number: (866) 756-6802

Should I contact or pay Torres Credit Services?

It’s best to avoid speaking to a debt collector 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 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

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.

Remove Torres Credit Services From Your Credit Report Today!

Credit Saint can assist you in disputing Torres Credit Services 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.

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