Who is Torres Credit Services?
Torres Credit Services, Inc. is a third-party debt collection agency located in Carlisle, Pennsylvania.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Torres Credit Services collect for?
Torres Credit Services collects debts for utility companies, consumer retail, tax and municipality companies, and bad checks.
Is Torres Credit Services legit or a scam?
Torres Credit Services is a legitimate debt collection agency. However, they may repeatedly spam call, text, or email you.
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.)
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, Lexington Law can work with 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.
Call Lexington Law now to learn more: (800) 220-0084
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.
And they may be able to help you too.
Will Torres Credit Services sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with Torres Credit Services, Inc. again.
Call Lexington Law to learn how they can help you.
Is Torres Credit Services hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
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). Lexington Law knows that you have rights, and Torres Credit Services, Inc. does too.
Remove Torres Credit Services From Your Credit Report Today!
Lexington Law can assist you in disputing Torres Credit Services accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
If you’re looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
