What Is 09 Tempoe Llc On My Credit Report?
09 Tempoe Llc is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is 09 Tempoe Llc A Debt Collection Agency?
Yes, 09 Tempoe Llc is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
09 Tempoe Llc may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does 09 Tempoe Llc Collect For?
09 Tempoe Llc purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does 09 Tempoe Llc Hurt My Credit Score?
Yes, it is highly likely having 09 Tempoe Llc on your credit report is damaging your score significantly.
How to Deal With 09 Tempoe Llc Calls and Letters
It can be overwhelming (and even stressful) to deal with repeated calls and letters from 09 Tempoe Llc attempting to collect on a debt you owe. If you're in this situation, there are a few steps you can take.
First and foremost, it's important to know your rights as specified by the Fair Debt Collection Practices Act (FDCPA). Debt collectors are prohibited from using intimidating or deceptive tactics when trying to recover a debt. If you believe that 09 Tempoe Llc is acting outside of these regulations, then you may file a complaint with the Consumer Financial Protection Bureau (CFPB).
Second, you have the right to request that 09 Tempoe Llc stop all communication with you. This is called a "cease and desist" letter - once they get it, they must halt all contact unless legal action is taken against you.
The Long-Term Impact of 09 Tempoe Llc On Your Credit Score
Dealing with a collections account from 09 Tempoe Llc can be a long-term negative for your credit score and limit opportunities for financial growth. This is because collections accounts can remain on your credit report for up to seven years, often resulting in poor credit scores. In addition, lenders may view you as a higher risk and reject any applications for new credit or loans.
Fortunately, there are steps you can take to address the debt and get it removed from your credit report. One effective way to do this is by working with an experienced company like Credit Sage. We can help you understand your options and take the necessary steps to improve your credit score and financial future in the long run.
How Do I Remove 09 Tempoe Llc From My Credit Report?
To be eligible to remove 09 Tempoe Llc from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With 09 Tempoe Llc?
Paying off 09 Tempoe Llc to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With 09 Tempoe Llc?
Settling your debt with 09 Tempoe Llc could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is 09 Tempoe Llc Legit, Fake Or A Scam?
09 Tempoe Llc is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do 09 Tempoe Llc Keep Calling Me?
09 Tempoe Llc continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get 09 Tempoe Llc To Stop Calling Me?
As we’ve mentioned above, 09 Tempoe Llc will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
09 Tempoe Llc Reviews And Complaints
09 Tempoe Llc has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will 09 Tempoe Llc Try Suing Or Garnishing My Wages?
09 Tempoe Llc suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does 09 Tempoe Llc Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, 09 Tempoe Llc does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With 09 Tempoe Llc?
You have the right to dispute any of your debt that 09 Tempoe Llc has purchased. 09 Tempoe Llc is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is 09 Tempoe Llc Phone Number?
You likely want to call Credit Sage before deciding whether or not to call 09 Tempoe Llc. The reason? You may not want to pay 09 Tempoe Llc debt, especially if it's inaccurate. Paying it off could hurt your score.
Get 09 Tempoe Llc Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.