803-325-1158 belongs to Accounts Receivable Management. 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 Accounts Receivable Management from their credit reports (without having to pay their debt). When Accounts Receivable Management is removed from your report:
If you're receiving calls from 803-325-1158, it's likely that Accounts Receivable Management is trying to collect a debt from you. The best approach is to not ignore the calls and instead try to arrange a payment plan that fits your budget. Ask for confirmation of the agreement in writing.
When speaking with the collector, make sure you have all relevant details about the debt at hand - including the original creditor, amount owed and date of origination. Be aware that there are certain limits to what debt collectors can do when attempting to recover a debt, so familiarize yourself with your legal rights.
If Accounts Receivable Management has reported inaccurate information on your credit report, it's important to take action to get it corrected. Start by requesting a free copy of your credit report and thoroughly analyzing it for any errors.
Gather evidence such as receipts, letters, or bank statements that prove the inaccuracy of the information. Then, file a dispute with both the credit bureau and Accounts Receivable Management. Under the Fair Credit Reporting Act, credit bureaus have up to 30 days to investigate disputed items upon receipt of dispute letter.
If the credit bureau finds that the information is not accurate, they must remove it from your credit report. If ARM does not provide a response or cannot prove its accuracy, it must also be taken off your credit report.
Speak with a live credit specialist for your free consultation, now