What Is Synerprise Consulting On My Credit Report?
Synerprise Consulting 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 Synerprise Consulting A Debt Collection Agency?
Yes, Synerprise Consulting 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").
Synerprise Consulting 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 Synerprise Consulting Collect For?
Synerprise Consulting 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 Synerprise Consulting Hurt My Credit Score?
Yes, it is highly likely having Synerprise Consulting on your credit report is damaging your score significantly.
How to deal with Synerprise Consulting on your credit report
If Synerprise Consulting appears on your credit report, it is important to understand how it could affect your financial wellbeing. Although it can be an overwhelming experience, there are measures you can take to manage the situation.
Firstly, review the details of the account and make sure there are no inaccuracies; if any arise, dispute them with the relevant credit bureau and provide supporting evidence. Additionally, if contacted by Synerprise Consulting, it is essential to reply and attempt to negotiate a payment plan or settlement that works for both parties.
Lastly, if you have difficulty in managing the debt, consider working with a credit repair professional at Credit Sage. We can help you explore all of your options and establish a plan that will improve your credit score over time.
How Long Will Synerprise Consulting Stay on My Credit Report?
The Fair Credit Reporting Act (FCRA) sets out guidelines for how long credit reporting agencies can keep certain types of negative information on your credit report. Generally, late payments, charge-offs and other related accounts can remain on your credit report for up to seven years, while bankruptcies can stay on your credit report for up to ten years. Although there are exceptions which may extend the reporting period, it is important to remember that the impact of negative information from Synerprise Consulting does not necessarily remain significant throughout the entire reporting period. As time passes and you make positive changes to your credit behavior, the effects on your credit score will diminish.
How Do I Remove Synerprise Consulting From My Credit Report?
To be eligible to remove Synerprise Consulting 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 Synerprise Consulting?
Paying off Synerprise Consulting 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 Synerprise Consulting?
Settling your debt with Synerprise Consulting 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 Synerprise Consulting Legit, Fake Or A Scam?
Synerprise Consulting 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 Synerprise Consulting Keep Calling Me?
Synerprise Consulting 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 Synerprise Consulting To Stop Calling Me?
As we’ve mentioned above, Synerprise Consulting 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.
Synerprise Consulting Reviews And Complaints
Synerprise Consulting has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Synerprise Consulting Try Suing Or Garnishing My Wages?
Synerprise Consulting 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 Synerprise Consulting Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Synerprise Consulting does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Synerprise Consulting?
You have the right to dispute any of your debt that Synerprise Consulting has purchased. Synerprise Consulting 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 Synerprise Consulting Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Synerprise Consulting. The reason? You may not want to pay Synerprise Consulting debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Synerprise Consulting 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.