What Is St John Cobb Inc On My Credit Report?
St John Cobb Inc 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 St John Cobb Inc A Debt Collection Agency?
Yes, St John Cobb Inc 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").
St John Cobb Inc 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 St John Cobb Inc Collect For?
St John Cobb Inc 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 St John Cobb Inc Hurt My Credit Score?
Yes, it is highly likely having St John Cobb Inc on your credit report is damaging your score significantly.
What to do if St John Cobb Inc Sues You
Receiving a court summons from St John Cobb Inc can be scary. However, it is important to respond to the lawsuit within the time limit, usually 20-30 days, or else you may risk facing default judgment. You have the option of either hiring an attorney to represent you in court or representing yourself (pro se). Representing yourself in court without knowledge of legal procedures may not be wise and could lead to damaging consequences. If you choose to represent yourself, make sure to educate yourself on debt collection laws and court procedures.
The Impact of St John Cobb Inc on Your Credit Score
Having St John Cobb Inc on your credit report can be damaging to your credit score. The collections account can remain on your report for up to 7 years - even if you pay the debt off. In cases where the reported debt is inaccurate or unvalidated, there is a chance that you can dispute it and have it taken away from your record.
It is important to mention that settling the debt may still be advantageous in some cases, as some creditors could take into consideration that you settled it when they determine your creditworthiness. Before making any payments, however, it is preferable to seek advice from a credit repair expert in order to make sure that you take the best course of action for yourself.
How Do I Remove St John Cobb Inc From My Credit Report?
To be eligible to remove St John Cobb Inc 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 St John Cobb Inc?
Paying off St John Cobb Inc 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 St John Cobb Inc?
Settling your debt with St John Cobb Inc 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 St John Cobb Inc Legit, Fake Or A Scam?
St John Cobb Inc 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 St John Cobb Inc Keep Calling Me?
St John Cobb Inc 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 St John Cobb Inc To Stop Calling Me?
As we’ve mentioned above, St John Cobb Inc 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.
St John Cobb Inc Reviews And Complaints
St John Cobb Inc has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will St John Cobb Inc Try Suing Or Garnishing My Wages?
St John Cobb Inc 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 St John Cobb Inc Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, St John Cobb Inc does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With St John Cobb Inc?
You have the right to dispute any of your debt that St John Cobb Inc has purchased. St John Cobb Inc 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 St John Cobb Inc Phone Number?
You likely want to call Credit Sage before deciding whether or not to call St John Cobb Inc. The reason? You may not want to pay St John Cobb Inc debt, especially if it's inaccurate. Paying it off could hurt your score.
Get St John Cobb Inc 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.