Valarity LLC


Is Valarity LLC hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

Valarity LLC Contact Information


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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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.

Your Rights When Dealing with Valarity LLC

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Valarity LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Valarity must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Valarity cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Valarity From Your Credit Report Today!

Credit Saint can assist you in disputing Valarity 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.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.