800-496-4599 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:
If you've received a call from 800-496-4599 concerning an outstanding debt, it's important to take immediate action. First, verify that the debt is actually yours and that the caller has authorization to collect it. Once that's established, reach out to the creditor and negotiate a payment plan; make sure to get any agreement in writing and keep your records organized. If you find yourself unable to pay the full balance or an agreeable payment plan, debt settlement companies may be able to assist you. They can talk with creditors on your behalf and settle for less than what you owe. Keep in mind there may be fees associated with this service, as well as possible consequences for your credit score.
If you've come across inaccurate or erroneous information on your credit report concerning Enhanced Recovery Company (ERC), you have the right to dispute it. Start by sending a letter to the corresponding credit bureau, detailing the mistake and providing any necessary evidence. The credit bureau should respond to your message within a month and will remove the information if it is determined to be false.
If the error still appears on your report after that, don't hesitate to reach out directly to ERC and dispute it again. Additionally, you may want to consider working with a reputable credit repair agency for further assistance in resolving this issue; their services can help you improve your credit score and get access to better borrowing terms in the future. Ultimately, having correct information on your credit report is essential if you're looking for favorable rates when applying for loans or other forms of credit.
Speak with a live credit specialist for your free consultation, now