Absolute Credit Llc On Your Report?

Last Updated: October 21st, 2023

  • Absolute Credit Llc is a debt collection company (that's likely hurting your credit score)
  • You may be able to remove them from your report, without paying your debt
  • Call us now to find out how!

What Is Absolute Credit Llc On My Credit Report?

Absolute Credit 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 Absolute Credit Llc A Debt Collection Agency?

Yes, Absolute Credit 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").

Absolute Credit 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 Absolute Credit Llc Collect For?

Absolute Credit 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 Absolute Credit Llc Hurt My Credit Score?

Yes, it is highly likely having Absolute Credit Llc on your credit report is damaging your score significantly.

How to Deal with Absolute Credit LLC if You Owe the Debt

If you owe a debt to Absolute Credit LLC, it's important to take action right away. Begin by reviewing your credit report to validate the amount due is correct. If any of the information on the account is erroneous, fraudulent, or cannot be amended in an appropriate time frame, you may be qualified to have the account removed from your credit report. 

If the debt is accurate, try to negotiate a settlement with Absolute Credit LLC. Remember that settling the debt can affect your credit score, and numerous factors come into play when attempting to determine the outcome. Credit Sage can help you assess the account and identify any potential issues that may exist, and work towards having the account completely wiped off of your credit report.

How to Protect Yourself from Debt Collection Scams

Debt collection scams are becoming more frequent. These scams can surface in many forms, such as phone calls, letters and emails, often with intimidating phrases or methods attempting to pressure you into paying a debt that isn't truly yours. Here is how you can protect yourself from these cons:

  • Verify the debt

Prior to making any payments or disclosing any personal information, check if the debt is legitimate. Ask for written okay of the debt including the name and address of the original creditor.

  • Know your rights

The Fair Debt Collection Practices Act dictates that debt collectors must follow certain regulations when collecting a debt. Become informed on your legal rights and report any violations to the Federal Trade Commission.

  • Be careful with personal info

Do not provide any personal data over the phone or via email until you are confident that the debt is valid.

  • Report suspicious activity

If you assume that you may be the target of a debt collection scam, report it to both the Federal Trade Commission and your local state attorney general's office.

Looking for help with Absolute Credit Llc?

How Do I Remove Absolute Credit Llc From My Credit Report?

To be eligible to remove Absolute Credit 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 Absolute Credit Llc?

Paying off Absolute Credit 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 Absolute Credit Llc?

Settling your debt with Absolute Credit 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 Absolute Credit Llc Legit, Fake Or A Scam?

Absolute Credit 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.

Looking for help with Absolute Credit Llc?

Why Do Absolute Credit Llc Keep Calling Me?

Absolute Credit 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 Absolute Credit Llc To Stop Calling Me?

As we’ve mentioned above, Absolute Credit 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.

Absolute Credit Llc Reviews And Complaints

Absolute Credit Llc has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.

Will Absolute Credit Llc Try Suing Or Garnishing My Wages?

Absolute Credit 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.

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Does Absolute Credit Llc Accept A Goodwill Letter To Remove My Collection/Charge-Off?

Based on our years of experience dealing with companies like this, Absolute Credit Llc does not accept goodwill letters to remove collection accounts or charge offs.

What Are My Rights When Dealing With Absolute Credit Llc?

You have the right to dispute any of your debt that Absolute Credit Llc has purchased. Absolute Credit 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 Absolute Credit Llc Phone Number?

You likely want to call Credit Sage before deciding whether or not to call Absolute Credit Llc. The reason? You may not want to pay Absolute Credit Llc debt, especially if it's inaccurate. Paying it off could hurt your score.

Get Absolute Credit 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.

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