How to Remove Vance and Huffman From Your Credit Report

Seeing Vance and Huffman on your credit report can be frustrating—and damaging to your credit score. But with the right approach, it’s possible to remove collection accounts and protect your credit.

Here’s what to know about Vance and Huffman, LLC and how to handle their collection accounts.

Who Is Vance and Huffman, LLC?

Vance and Huffman, LLC is a debt collection agency based in Smithfield, Virginia. They work with businesses to recover unpaid debts from consumers. If a company turns your account over to collections, Vance and Huffman may be the agency assigned to collect the money.

Once they get involved, their name can appear on your credit report, often as a collection account.

Who Does Vance and Huffman Collect For?

Vance and Huffman collects debts for businesses across different industries. This can include:

• Healthcare providers with unpaid medical bills
• Utility companies with overdue accounts
• Other businesses that offer products or services without upfront payment

If you notice their name on your credit report, it likely means an original creditor sent your account to collections.

Is Vance and Huffman Legitimate or a Scam?

Vance and Huffman, LLC is a real, licensed debt collection agency. They are legally allowed to collect debts on behalf of their clients.

That said, never assume a debt is valid without proof. Collection agencies can make mistakes, and you have the right to ask for verification.

How to Remove Vance and Huffman From Your Credit Report

A collection account can stay on your credit report for up to seven years, even if you pay it off. But there are steps to try to remove it sooner:

• Dispute Inaccurate Information: Review your credit report carefully. If you see errors with the balance, dates, or account details, file a dispute with the credit bureaus.
• Request Debt Validation: You have the right to ask Vance and Huffman for proof that the debt is yours. Send a written debt validation letter. If they can’t verify it, the account must be removed.
• Negotiate a Pay-for-Delete: Some collection agencies agree to remove the account from your credit report in exchange for payment. This isn’t guaranteed, but it’s worth asking.
• Get Help From Credit Repair Experts: If you’re unsure how to handle the process, credit repair companies can work on your behalf to challenge negative items.

Should You Contact or Pay Vance and Huffman?

Before paying anything, make sure the debt is legitimate and legally collectible. Some debts are too old for the agency to sue over—this is known as being beyond the statute of limitations. Be cautious, as making a payment can restart the clock, potentially harming your credit.

If you’re uncertain, working with a credit repair company can help you avoid mistakes and handle collection accounts the right way.

Can Vance and Huffman Sue You or Garnish Your Wages?

Vance and Huffman has the legal right to sue for unpaid debts, but lawsuits aren’t their first option. Most collection agencies try to collect through letters and phone calls first.

If they take you to court and win, they could get a judgment that allows:

• Wage garnishment
• Bank account levies
• Property liens

These actions depend on state laws, the size of the debt, and whether they believe legal action is worth the cost. Lawsuits can be expensive, so agencies generally use them as a last resort.

How to Contact Vance and Huffman, LLC

Here’s their contact information:

• Address:
  Vance & Huffman, LLC
  55 Monette Pkwy, Ste 100
  Smithfield, VA 23430-2577
• Phone Number:
  (855) 206-6697

Complaints About Vance and Huffman

Vance and Huffman, like many collection agencies, has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:

• Inaccurate information on credit reports
• Failure to verify debts
• Harassment or repeated calls

If you believe your rights have been violated, you can file a complaint with these agencies.

Your Rights Under Federal Law

The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you from abusive or unfair treatment by debt collectors. Here’s what those rights include:

• They cannot report false or incomplete information to the credit bureaus
• You can request written proof of the debt through a debt validation letter
• They cannot threaten, harass, or use abusive language
• They must clearly state they are a debt collection agency when contacting you
• They cannot threaten arrest or legal action they have no intention of pursuing

Get Help Removing Vance and Huffman From Your Credit Report

Handling collection accounts alone can be overwhelming. Credit Saint has helped thousands of people challenge inaccurate items on their credit reports. They’ve been in business for over 15 years and even offer a 90-day money-back guarantee for peace of mind.

If you want help disputing negative items from Vance and Huffman or other collection agencies, they’re a great place to start.

Visit their website or call (855) 281-1510 to learn more.