What Is Williams & Fudge On My Credit Report?
Williams & Fudge 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 Williams & Fudge A Debt Collection Agency?
Yes, Williams & Fudge 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").
Williams & Fudge 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 Williams & Fudge Collect For?
Williams & Fudge 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 Williams & Fudge Hurt My Credit Score?
Yes, it is highly likely having Williams & Fudge on your credit report is damaging your score significantly.
What are the consequences of ignoring Williams & Fudge?
Avoiding Williams & Fudge might appear like a plausible option, but it can have lasting effects on your credit report and financial wellbeing. Ignoring their attempts to collect the debt may result in legal action, deductions from your wages, and a negative impact on your credit score. What's more, disregarding collections will not help eliminate the debt. Instead, it could accumulate interest and other fees, making it increasingly difficult to pay off in the future.
To prevent such consequences, proactive steps must be taken to tackle the debt. Seeking advice from a credit repair professional like Credit Sage can provide you with viable solutions for settling the debt and potentially removing it completely from your credit report.
How can I avoid falling into debt with Williams & Fudge?
To avoid falling into debt, you can take the following actions:
- Create a budget
Keeping track of your expenses and developing a budget can assist you in avoiding overspending and falling into debt.
- Set up automatic payments
Automating bill payments can guarantee that you never miss a payment, leading to late fees.
- Avoid needless purchases
Before making a purchase, determine whether it's a necessity or a luxury. If it's the latter, consider postponing the purchase until you can afford it without accruing debt.
- Regularly check credit reports
Checking your credit report frequently can alert you to any potential errors or fraudulent activity that may lead to debt collection accounts in the future.
These practices can help you avoid falling into debt with Williams & Fudge and other debt collection agencies and maintain a strong credit score.
How Do I Remove Williams & Fudge From My Credit Report?
To be eligible to remove Williams & Fudge 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 Williams & Fudge?
Paying off Williams & Fudge 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 Williams & Fudge?
Settling your debt with Williams & Fudge 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 Williams & Fudge Legit, Fake Or A Scam?
Williams & Fudge 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 Williams & Fudge Keep Calling Me?
Williams & Fudge 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 Williams & Fudge To Stop Calling Me?
As we’ve mentioned above, Williams & Fudge 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.
Williams & Fudge Reviews And Complaints
Williams & Fudge has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Williams & Fudge Try Suing Or Garnishing My Wages?
Williams & Fudge 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 Williams & Fudge Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Williams & Fudge does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Williams & Fudge?
You have the right to dispute any of your debt that Williams & Fudge has purchased. Williams & Fudge 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 Williams & Fudge Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Williams & Fudge. The reason? You may not want to pay Williams & Fudge debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Williams & Fudge 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.