Valarity LLC

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?

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.)

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.

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 Credit reports can contain errors or list debts that are no longer valid.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 can help you dispute Valarity 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.