What Is Joben Enterprises On My Credit Report?
Joben Enterprises 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 Joben Enterprises A Debt Collection Agency?
Yes, Joben Enterprises 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").
Joben Enterprises 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 Joben Enterprises Collect For?
Joben Enterprises 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 Joben Enterprises Hurt My Credit Score?
Yes, it is highly likely having Joben Enterprises on your credit report is damaging your score significantly.
How Can Joben Enterprises Affect Your Credit Report and Score?
When Joben Enterprises appears on your credit report, it indicates that they have purchased your debt and are attempting to collect it from you. This will negatively impact your credit score, as the presence of a collections account on your credit report can significantly lower it. Additionally, having a collections account on your report can make it difficult to get approved for loans or other financial events.
It's important to remember that paying off the debt may not immediately improve your credit score – the collection will still remain on your credit report for up to seven years, even if it is marked as paid. However, if the debt is incorrect or fraudulent, disputing it with Joben Enterprises and the credit bureaus may be the best option for removing it from your credit report.
What Should You Know About Joben Enterprises' Collection Practices?
Joben Enterprises is a legitimate debt collection agency, but their collection practices have received negative reviews from consumers. They may attempt to contact you through phone calls or letters demanding payment. If you are receiving repeated calls or letters from Joben Enterprises, you have the right to dispute your debt and request that they stop contacting you.
If you are concerned about the potential for legal action or wage garnishment, it's important to remember that these outcomes are rare and typically require a significant amount of time and effort on the part of the creditor. Working with a credit repair professional like Credit Sage can help you navigate the debt collection process and take the necessary steps to improve your credit report and score.
How Do I Remove Joben Enterprises From My Credit Report?
To be eligible to remove Joben Enterprises 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 Joben Enterprises?
Paying off Joben Enterprises 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 Joben Enterprises?
Settling your debt with Joben Enterprises 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 Joben Enterprises Legit, Fake Or A Scam?
Joben Enterprises 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 Joben Enterprises Keep Calling Me?
Joben Enterprises 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 Joben Enterprises To Stop Calling Me?
As we’ve mentioned above, Joben Enterprises 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.
Joben Enterprises Reviews And Complaints
Joben Enterprises has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Joben Enterprises Try Suing Or Garnishing My Wages?
Joben Enterprises 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 Joben Enterprises Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Joben Enterprises does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Joben Enterprises?
You have the right to dispute any of your debt that Joben Enterprises has purchased. Joben Enterprises 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 Joben Enterprises Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Joben Enterprises. The reason? You may not want to pay Joben Enterprises debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Joben Enterprises 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.