855-334-4196 belongs to Commenity Bank. 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 Commenity Bank from their credit reports (without having to pay their debt). When Commenity Bank is removed from your report:
Are you receiving calls from 855-334-4196 about an outstanding debt? If so, it's important to know that you have options for handling the situation. First, verify that the debt is actually yours and still within the statute of limitations in your state.
Next, contact the debt collector to negotiate a payment plan or try to settle the debt for less than what is owed. Keep all communication in writing and make sure to keep copies of any agreements made. Additionally, remember that you have rights as a debtor which includes requesting that the collection agency stop contacting you or disputing the debt if it appears inaccurate.
By taking appropriate steps and managing the situation properly, you could work towards successfully resolving your outstanding debt and improving your credit score.
Have you recently discovered inaccuracies in your credit report reported by Commenity Bank? If so, it's important to take action and dispute the errors. Begin by gathering any relevant documentation that can prove the inaccuracy and then write a letter to the credit reporting agency. The agency is obligated by law to investigate the dispute and address any mistakes within 30 days.
Additionally, reach out to Commenity Bank directly to dispute the information and request corrections. Be sure to keep copies of all related correspondence and documents, as they could help you in future disputes. Taking action now can help improve your credit score and make it easier for you to access credit in the future.
Speak with a live credit specialist for your free consultation, now