866-409-4196 belongs to Sirius XM. 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 Sirius XM from their credit reports (without having to pay their debt). When Sirius XM is removed from your report:
If you find incorrect information reported on your credit report from Sirius XM, it's imperative to take immediate action to rectify it. The first step is to get a free copy of your credit report from all three credit bureaus (Equifax, Experian, and TransUnion) and locate the false data.
Then, dispute this information by submitting a dispute letter to the affected bureau(s). The letter should include your name and address, details of the account in question, and why you think the information is incorrect.
The bureau will then investigate the matter and inform you of its outcome. If they find the information to be inaccurate, it must be removed from your credit report.
It is vital to regularly monitor your credit report for accuracy and take prompt action if any inaccuracies are detected. This will help ensure you maintain a good credit score.
If you get a call from 866-409-4196, it's likely from a debt collector trying to collect an outstanding debt. It's important to know that you have rights when dealing with these debt collectors and one of these is the right to ask them to stop contacting you.
If you do owe the debt, talk to the debt collector and explore payment options that fit your budget. Make sure that any agreements are recorded in writing before making a payment. On the other hand, if you don't believe this is your debt or if you're uncertain about it, you have the right to request validation of the debt (the original creditor and amount owed).
It's important to remain respectful while talking with debt collectors and be aware of your rights as provided by the Fair Debt Collection Practices Act (FDCPA).
Speak with a live credit specialist for your free consultation, now