800-278-2420 belongs to Enhanced Recovery Company. 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 Enhanced Recovery Company from their credit reports (without having to pay their debt). When Enhanced Recovery Company is removed from your report:
Receiving calls from debt collectors such as 800-278-2420 can be daunting when dealing with debt. If you do happen to owe the money, the primary step is to collect information about the debt and the collection agency. Get their name, address, contact number along with that of the original creditor, and also how much exactly you owe. Make sure to get all communication in writing so you can keep a record of it.
Once you have all this info at hand, start negotiating a payment plan that suits your needs. Ask for a debt validation letter which details the debt and its original owner. Once received, go over it for any issues or discrepancies.
If Enhanced Recovery Company is providing incorrect data on your credit report, you have the right to dispute it. Write a dispute letter to the credit bureau verifying the mistake and include any documentation that can support your claim. The bureau will then investigate and give their reply within 30 days.
It's also important to reach out to Enhanced Recovery Company directly to inform them of the inaccuracy and request that they update their records. Make sure to keep records of all communication, including phone calls and emails, in case you need them later.
Remember, it's your right to have accurate information on your credit report, and taking action to correct errors can help improve your credit score.
Speak with a live credit specialist for your free consultation, now