866-637-6196 Called You?

Who Is 866-637-6196 ?

866-637-6196 belongs to Financial Asset Management Systems. They’re a debt collector reporting a collection account on your credit report.

This can mean 2 things:

 
1. They’ve purchased your debt from the original creditor (such as a credit card company), and they’re now calling you to collect that debt.
 
2. They don’t own the debt themselves, but are being paid to collect on behalf of another company.

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).

How Can I Get 866-637-6196 to Stop Calling Me?

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 Financial Asset Management Systems from their credit reports (without having to pay their debt). When Financial Asset Management Systems is removed from your report:

 
• They will stop calling you
 
• Your credit score will increase

How to Handle Debt Owed to 866-637-6196

If you have received a call or letter from 866-637-6196 about a debt you owe, it is essential to take action quickly. Start by confirming that the debt is yours and accurate. Next, get in touch with the debt collector to arrange for repayment plans or settlement agreements. Be sure to obtain any agreement in writing, and keep records of all communication.

Also, it's essential to be aware of your rights under the Fair Debt Collection Practices Act. Debt collectors are forbidden from using abusive or deceptive tactics such as harassing phone calls, threats, or misrepresenting the amount owed. If a debt collector violates your rights, file a complaint with the Consumer Financial Protection Bureau--or consult with a consumer rights attorney.

What to Do If Financial Asset Management Systems Reports Inaccurate Information on Your Credit Report

If you detect that Financial Asset Management Systems (FAMS) has made mistakes in your credit report, taking steps to rectify the issue is crucial. Begin by flagging the error with the credit bureau that sent out the report. Provide any proof you have to back up your claim of inaccuracy, such as payment receipts or account statements.

Furthermore, contact FAMS directly and inform them about the mistake. Request for them to update the details with the credit bureaus and document all communication in written form.

It's essential to remember that under the Fair Credit Reporting Act, disputing any false information on your credit report is your right and it can help improve your credit score and financial security when successfully corrected.