What Is SCA Collections On My Credit Report?
SCA Collections 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 SCA Collections A Debt Collection Agency?
Yes, SCA Collections 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").
SCA Collections 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 SCA Collections Collect For?
SCA Collections 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 SCA Collections Hurt My Credit Score?
Yes, it is highly likely having SCA Collections on your credit report is damaging your score significantly.
How to Prevent SCA Collections from Adding Negative Marks to your Credit Report
If you're having trouble meeting the payments on your debt to SCA Collections, don't fret. You can prevent them from leaving negative marks on your credit report. Simply negotiate a payment plan with SCA Collections which works best for both of you. This way, you won't default on any payments and your credit score won't be further damaged. Apart from that, you may also opt to dispute the debt either with SCA Collections or with credit bureaus. It may be tricky, but it's still worth a shot especially if there are errors or inaccuracies found in your credit report. To help you go about the dispute process and to aid in removing negative marks from your credit report, you may seek help from a credit repair expert like Credit Sage.
The Consequences of Ignoring SCA Collections
Choosing to ignore debt collectors like SCA Collections can bring heavy consequences on your finances and credit report. By refraining from responding to their calls or refusing to pay off the debt, they may proceed to take legal action against you. This could lead to a court judgment that permits them to garnish your wages or bank account, making it even more difficult for you to recover financially. Also, ignoring SCA Collections can also cause damage to your credit score. As time passes, the unpaid debt gathers more negative impact on your credit report, which may result in difficulty acquiring loans or credit in the future.
How Do I Remove SCA Collections From My Credit Report?
To be eligible to remove SCA Collections 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 SCA Collections?
Paying off SCA Collections 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 SCA Collections?
Settling your debt with SCA Collections 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 SCA Collections Legit, Fake Or A Scam?
SCA Collections 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 SCA Collections Keep Calling Me?
SCA Collections 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 SCA Collections To Stop Calling Me?
As we’ve mentioned above, SCA Collections 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.
SCA Collections Reviews And Complaints
SCA Collections has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will SCA Collections Try Suing Or Garnishing My Wages?
SCA Collections 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 SCA Collections Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, SCA Collections does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With SCA Collections?
You have the right to dispute any of your debt that SCA Collections has purchased. SCA Collections 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 SCA Collections Phone Number?
You likely want to call Credit Sage before deciding whether or not to call SCA Collections. The reason? You may not want to pay SCA Collections debt, especially if it's inaccurate. Paying it off could hurt your score.
Get SCA Collections 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.