208-515-7484 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 receive calls from 208-515-7484, it means that IC System is attempting to collect a debt from you. Dealing with debt collectors can be difficult and intimidating, however there are ways to make the procedure smoother.
Firstly, make certain that the debt they refer to is actually yours. Request validation of the debt, including evidence of the original creditor's agreement and your payment history. If verified, try to set up a payment plan that works with your finances. Be sure to get all negotiations in writing and pay on time – this will prevent further damage to your credit score.
In case you spot any false information associated to IC System on your credit report, it’s crucial to act. Begin by submitting a dispute with the credit bureau reporting the inaccurate data. Provide all available evidence to support your claim, such as evidence of payment or communication with IC System. The credit bureau will investigate your dispute and come to a conclusion after 30-45 days. If in your favor, the wrong information will be removed from your report. You may also contact IC System directly in order to solve the problem. Record any conversations with IC System as well as the credit bureau and follow up if there is no answer within an appropriate window of time.
Speak with a live credit specialist for your free consultation, now