866-760-6205 belongs to American Credit & Collections. 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 American Credit & Collections from their credit reports (without having to pay their debt). When American Credit & Collections is removed from your report:
If you get a call from 866-760-6205, it might be a debt collection agency trying to collect a debt from you. If you owe the debt, it's important to deal with it quickly. The first step is to confirm the debt by asking the debt collector for written validation. This document should include how much you owe, who you originally owed the money to, and your right to dispute the debt.
Once you've confirmed the debt, you can work out a payment plan with the collector. Make sure that any payment plan is realistic for your budget. You may also be able to negotiate paying less than the full amount owed. If you can't pay off the debt or arrange a payment plan, the collector could take legal action against you. So, it's crucial to talk with them and take action as soon as possible.
If you suspect American Credit & Collections may have inaccurately reported your credit information, take prompt action. Request a copy of your report from one of the three major consumer-reporting agencies -- Equifax, Experian or TransUnion -- and carefully survey it for any errors connected to American Credit & Collections.
Dispute any inaccurate information on your credit report by sending a dispute letter to the appropriate bureau. Include detailed explanations of why it is wrong, as well as relevant documents for support. If you need assistance navigating this process, Credit Sage can help guide you through it.
Once you've officially raised your dispute, the credit bureau will thoroughly investigate and provide a detailed update. If confirmed as incorrect, all references of it will immediately be erased from your profile on record!
Speak with a live credit specialist for your free consultation, now