866-572-8797 belongs to Central Credit Services. 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 Central Credit Services from their credit reports (without having to pay their debt). When Central Credit Services is removed from your report:
If you receive a call from 866-572-8797, it could be a debt collector from Central Credit Services trying to collect a debt. In this case, the best thing to do is take the call and listen carefully to what they have to say. Remain as calm and respectful as possible, and ask for written proof of the debt in order to make sure that it's legitimate.
Once you have confirmed that the debt is valid, you can negotiate a payment plan or settlement with the collector. It's essential to agree on a plan that fits your budget and make sure everything is in writing before making any payments. If paying off the debt in full isn't feasible, consulting with a credit counselor may be an option to consider as well.
If Central Credit Services is reporting inaccurate information on your credit report, it's important to take action. Start by submitting a dispute letter to each of the three major credit bureaus (Equifax, Experian, and TransUnion) that includes explanations of why the information is incorrect and any supporting documentation you may have. They will investigate the information with Central Credit Services and determine whether it should be removed or corrected; if it's determined to be inaccurate, it must be removed from your credit report within 30 days of submitting your dispute.
Additionally, contact Central Credit Services directly to let them know about the inaccurate information on your credit report – they may be able to work with you to resolve the issue and update your credit report accordingly.
Speak with a live credit specialist for your free consultation, now