314-842-6585 belongs to CACi. 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 CACi from their credit reports (without having to pay their debt). When CACi is removed from your report:
To deal with a debt being collected by CACi and calls from 314-842-6585, take these steps:
Verify the debt is yours and CACi is authorized to collect it by requesting written documentation of the debt and amount owed. This ensures validity and avoids scams.
Work with CACi to establish a payment plan within your means. Demonstrate responsibility by making regular payments until the debt is paid off.
If you feel harassed or your rights are violated, file a complaint with Consumer Financial Protection Bureau or seek advice from a debt collection attorney.
To dispute and correct inaccurate information on your credit report, follow these steps:
Obtain a copy of your credit report from a major credit reporting agency and identify any errors related to CACi's reporting.
Gather documentation that supports your dispute, such as receipts or invoices.
Write a clear and concise letter to the credit reporting agency explaining the errors and providing evidence to support your claim.
Follow up with the credit reporting agency to ensure that the errors have been corrected.
Seek advice from an attorney who specializes in credit reporting issues if necessary. Remember, you have the right under the Fair Credit Reporting Act to accurate information on your credit report.
Speak with a live credit specialist for your free consultation, now