Who is World Omni Financial Corp?
World Omni Financial Corp is an auto finance company headquartered in Deerfield Beach, Florida with locations in Mobile, Alabama; Alpharetta, Georgia; and Earth City, Missouri. They are a subsidiary of JM Family. Their primary businesses include Southeast Toyota Finance, CenterOne Financial Services, and DataScan.
They primarily provide financial products and services to automotive dealers and consumers. You may see World Omni, Southeast Toyota Finance, or CenterOne Financial Services listed on your credit report as a collections account. If they are attempting to collect a debt from you, it is likely related to an auto loan or similar type of debt.
How can I remove World Omni Financial Corp 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.)
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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.
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World Omni Financial Corp Contact Information
World Omni Financial Corp
190 Jim Moran Blvd
Deerfield Beach, FL 33442
Phone number: (800) 553-2650 or (866) 663-9663
Should I contact or pay World Omni Financial Corp?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with World Omni Financial is to work with a credit repair professional. They help remove millions of negative items every year from companies like World Omni Financial on behalf of their clients.
Will World Omni Financial Corp sue me or garnish my wages?
World Omni Financial Corp is entitled to sue for unpaid debts. This typically occurs when all other attempts to collect the debt have failed. If they do decide to sue and they win a judgment against you, they could potentially garnish your wages or bank account, but this depends on the laws in your particular state.
World Omni Financial Corp 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 World Omni Financial Corp
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 World Omni Financial Corp 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.
- World Omni Financial may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- World Omni Financial 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.
- World Omni Financial cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove World Omni Financial From Your Credit Report Today!
Credit Saint can assist you in disputing World Omni Financial collection 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.
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