If Torres Credit Services appears on your credit report, it usually means a collection account has been added. Collections can damage your credit score and stay on your credit report for up to seven years. But there are ways to address the issue—and possibly have it removed.
Who Is Torres Credit Services?
Torres Credit Services, Inc. is a third-party debt collection agency based in Carlisle, Pennsylvania. They collect unpaid debts on behalf of other businesses. If their name shows up on your credit report, they are either trying to collect on behalf of an original creditor or they’ve purchased the debt.
Who Does Torres Credit Services Collect For?
Torres Credit Services works with a mix of industries to recover delinquent debts. Their clients include:
- Utility companies: Collecting unpaid utility bills.
- Retail businesses: Recovering overdue store accounts.
- Tax and municipal offices: Handling unpaid public debts or fines.
- Businesses with bad check cases: Recovering funds from bounced or returned checks.
If you’ve missed payments in any of these categories, you may hear from Torres Credit Services.
Is Torres Credit Services Legitimate?
Yes, Torres Credit Services is a legitimate debt collection agency. They are authorized to collect debts for other companies. That said, always verify any debt before making payments. Credit reporting mistakes are common, and debts can sometimes be invalid or outdated.
How to Remove Torres Credit Services From Your Credit Report
A collection account can hurt your credit score, but you may be able to remove it by following these steps:
- Dispute Any Errors: If you believe the debt is inaccurate or incomplete, file a dispute with the credit bureaus. They are required to investigate and correct any mistakes.
- Request Debt Validation: You have the right to ask Torres Credit Services to provide proof that the debt is yours and the amount is correct. If they can’t validate the debt, the account should be removed.
- Negotiate a Pay-for-Delete Agreement: In some cases, you can offer to settle the debt in exchange for removing the account from your credit report. Always get this agreement in writing.
- Hire a Credit Repair Professional: Credit repair experts can dispute inaccurate accounts on your behalf and help you improve your credit faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Torres Credit Services?
Before contacting any debt collector, confirm the debt is valid. Many people discover that collection accounts on their credit report contain errors or involve debts that are no longer legally collectible.
Keep in mind, making a payment can reset the clock on how long the debt impacts your credit. Working with a credit repair service can help you avoid costly mistakes.
Can Torres Credit Services Sue You or Garnish Your Wages?
Torres Credit Services has the legal right to sue you over an unpaid debt. If they win a lawsuit, they may be able to garnish your wages or bank accounts, depending on the laws in your state. However, lawsuits are typically a last resort for debt collectors.
Understanding your state’s rules on lawsuits and garnishments can help you protect your rights.
Torres Credit Services Complaints
Many collection agencies, including Torres Credit Services, receive complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect information on credit reports
- Harassment or aggressive collection tactics
- Failure to provide proper debt validation
If you experience any of these problems, you can file a complaint with the appropriate agencies.
Know Your Rights With Debt Collectors
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws give you protections such as:
- The right to dispute inaccurate information on your credit report
- The right to request debt validation within 30 days of first contact
- Protection from harassment, threats, or abusive language
- Requirements for debt collectors to clearly identify themselves
- Prohibition of false threats like arrest or imprisonment
Knowing your rights can help you handle debt collectors more confidently.
Torres Credit Services Contact Information
Address:
Torres Credit Services
27 Fairview St, Suite 301
Carlisle, PA 17015
Phone: (866) 756-6802
Remove Torres Credit Services From Your Credit Report Today
Dealing with collection accounts can be stressful, but you don’t have to manage it alone. Credit Saint has helped thousands of people challenge inaccurate items and improve their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
For professional help disputing Torres Credit Services accounts, visit their website or call (855) 281-1510 today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
