How to Remove Vericore From Your Credit Report

If you’ve noticed Vericore, LLC listed on your credit report, you’re likely dealing with a collection account. These accounts can lower your credit score and stick around for up to seven years if you don’t address them.

Here’s what you need to know about Vericore and how to remove their collection account from your credit report.

Who Is Vericore, LLC?

Vericore, LLC Commercial Collections is a debt collection agency based in Huntersville, North Carolina. They work with businesses to recover unpaid debts, often after other collection efforts have failed.

If you see Vericore on your credit report, it means a company has hired them to collect money they believe you owe.

Who Does Vericore Collect For?

Vericore focuses on commercial collections. They partner with businesses trying to recover unpaid invoices for goods or services. Their clients are typically other businesses, but if your personal credit report shows a Vericore collection, it’s important to verify the details.

Is Vericore Legitimate?

Yes, Vericore is a real debt collection agency. They are licensed to collect debts on behalf of their clients. But even with legitimate companies, mistakes happen. Always confirm the debt is accurate before making payments or agreeing to anything.

How to Remove Vericore From Your Credit Report

A collection account from Vericore can hurt your credit score, but there are ways to handle it:

• Dispute Errors: Start by checking your credit report for inaccuracies. If the debt isn’t yours or the information is incorrect, dispute it directly with the credit bureaus.
• Request Debt Validation: You have the right to ask Vericore for proof that the debt belongs to you and that the amount is correct. This is called a debt validation letter.
• Negotiate a Pay-for-Delete: If the debt is valid, you can try negotiating a pay-for-delete agreement. This means you agree to pay in exchange for the collection being removed from your credit report. Get everything in writing before sending money.
• Work With a Credit Repair Service: Professional credit repair companies know how to challenge collections and other negative items. Many people find it helpful to have experts handle the process.

Should You Contact or Pay Vericore?

Before contacting Vericore, double-check that the debt is legitimate and reported correctly. Old debts, inaccurate details, or accounts beyond the statute of limitations may not be valid. Making a payment can also reset the clock on certain debts, so be cautious.

Many people choose to work with a credit repair company to help manage collections. These companies help remove millions of negative items every year from credit reports.

Can Vericore Sue You or Garnish Your Wages?

Vericore does have the legal ability to sue you over unpaid debts. If they take you to court and win, they could pursue wage garnishment or other methods of collecting the debt, depending on your state’s laws.

That said, lawsuits are usually a last resort. Most collection agencies prefer to work out a payment arrangement before going down the legal path.

Vericore Contact Information

Here’s how to reach Vericore, LLC:

Address:
Vericore, LLC
10115 Kincey Ave, Suite 100
Huntersville, NC 28078-6482

Phone: (800) 375-3186

Complaints About Vericore, LLC

Like many debt collectors, Vericore has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:

• Incorrect information on credit reports
• Failure to validate debts
• Harassment or aggressive collection tactics

If you’re experiencing harassment or believe your rights have been violated, you can file a complaint with the CFPB or BBB.

Your Rights When Dealing With Vericore

The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you from unfair collection practices. Here’s what Vericore legally cannot do:

• Report false or incomplete information on your credit report
• Harass you with repeated calls, threats, or abusive language
• Misrepresent who they are or why they’re contacting you
• Threaten to have you arrested over unpaid debts

You can also request written proof of the debt. Vericore must respond within 30 days to verify the details.

Get Help Removing Vericore From Your Credit Report

If dealing with Vericore feels stressful, you’re not alone. Credit Saint has over 15 years of experience helping people dispute collection accounts and improve their credit. They even offer a 90-day money-back guarantee for extra peace of mind.

To see how they can help, visit their website or call (855) 281-1510.