Who is Valarity LLC?
Valarity, LLC is a debt collection agency headquartered in Creve Coeur, Missouri. They work on behalf of original creditors to recover overdue debts.
If you notice their name on your credit report, it means they’ve been tasked with collecting an unpaid debt from you. Such listings on your credit report typically signify a past-due bill, loan, or other financial obligation.
Who does Valarity LLC collect for?
Valarity LLC primarily collects delinquent debts for entities in the healthcare industry. They act on behalf of these healthcare providers to recover money owed to them.
Is Valarity LLC legit or a scam?
Valarity LLC is a legitimate company. However, their methods of communication can be seen as intrusive or excessive as they may repeatedly call, text, or email you.
How can I remove Valarity LLC from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Valarity LLC Contact Information
Address:
Valarity, LLC
625 Maryville Centre Dr. Ste 125
St. Louis, MO 63141
Phone number: (877) 249-2168
Should I contact or pay Valarity LLC?
Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Valarity LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Valarity LLC on behalf of their clients.
Will Valarity LLC sue me or garnish my wages?
Valarity LLC does have the right to sue you for an unpaid debt. If they decide to pursue legal action and the court rules in their favor, they could obtain a judgment that allows them to garnish your wages or levy your bank account.
However, it’s important to note that wage garnishment or bank levies are typically last resorts and require several steps, including obtaining a court order. Plus, the rules regarding wage garnishment can vary significantly depending on your state’s laws and the type of debt.
Valarity LLC 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.
Your Rights When Dealing with Valarity LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Valarity LLC 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Valarity LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Valarity must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Valarity cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Valarity From Your Credit Report Today!
Credit Saint offers assistance with disputing Valarity accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
