208-515-7474 belongs to IC System. They’re a debt collector reporting a collection account on your credit report.
This can mean 2 things:
The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).
There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.
Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.
The best news? We’ve helped thousands of customers remove IC System from their credit reports (without having to pay their debt). When IC System is removed from your report:
If you owe a debt that is being collected by IC System and they have been calling you from 208-515-7474, it is important to first verify that the debt is actually yours and that IC System is authorized to collect it. Ask for written documentation of the debt and the amount owed. This will help ensure that the debt is valid and that you are not being scammed.
If you agree that the debt is yours, work with IC System to set up a payment plan that you can afford. Be honest about your financial situation and offer to make reasonable payments on a regular basis until the debt is paid off. This shows that you are taking responsibility for your debts and are willing to work with IC System to resolve the issue.
If you feel that IC System is harassing you or violating your rights, you can file a complaint with the Consumer Financial Protection Bureau or seek the advice of an attorney who specializes in debt collection.
If you have discovered that IC System is reporting inaccurate information on your credit report, there are steps you can take to dispute and correct the errors. First, obtain a copy of your credit report from one of the major credit reporting agencies and review it carefully for any errors or inaccuracies related to IC System's reporting. Next, gather any documentation you have that supports your dispute such as copies of receipts, invoices, or other records that show the correct information.
Then, write a letter to the credit reporting agency explaining the errors and providing evidence to support your dispute. Be clear and concise in your explanation and include copies of any documentation that supports your claim. Finally, follow up with the credit reporting agency to ensure that the errors have been corrected. If they persist, you may need to seek the advice of an attorney who specializes in credit reporting issues - remember it is your right under the Fair Credit Reporting Act to have accurate information on your file.
Speak with a live credit specialist for your free consultation, now