800-453-2044 Called You?

Last Updated: October 21st, 2023

  • This number belongs to American Express, they're likely calling to collect a debt
  • You may not have to pay your debt (paying it may hurt your score)
  • Call now, find out how you can remove American Express from your credit report - without paying your debt (potentially)

Who Is 800-453-2044 ?

800-453-2044 belongs to American Express. They’re a debt collector reporting a collection account on your credit report.

This can mean 2 things:

  1. They’ve purchased your debt from the original creditor (such as a credit card company), and they’re now calling you to collect that debt.
  3. They don’t own the debt themselves, but are being paid to collect on behalf of another company.

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).

How Can I Get 800-453-2044 to Stop Calling Me?

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 American Express from their credit reports (without having to pay their debt). When American Express is removed from your report:

  • They will stop calling you
  • Your credit score will increase

Dealing with Debt Owed to 800-453-2044

Encountering debt collectors can be stressful and intimidating when you owe a debt. If someone calls from 800-453-2044, it's probably a debt collector attempting to collect the debt. Remain composed and request the debt collector's name, their agency's name, and the creditor's name they are collecting for.

After receiving the information, request a debt validation letter to be sent to you in writing. The letter should entail details about the debt, the original creditor, and your consumer rights. Speak to the collector about settling or setting payment plans. Ensure to keep records of all communication and payments made.

Addressing Inaccurate Information Reported by American Express on Your Credit Report

Your credit report is necessary for your financial life, as it influences your ability to get loans, credit cards, and other financial services. If American Express reports erroneous information on your credit report, it can harm your credit score.

First, review your credit report and point out the inaccurate information. Then, dispute the inaccurate details to the credit reporting agency with evidence for support. You can also contact American Express and ask them to correct the data.

If the inaccurate information is not amended, you might need legal assistance to tackle the issue. Take note that reviewing your credit report periodically and verifying its accuracy is essential for a good credit score.

Looking For Help With American Express?

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