877-339-5643 belongs to Harvard Collection 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 Harvard Collection Services from their credit reports (without having to pay their debt). When Harvard Collection Services is removed from your report:
Dealing with debt collectors can be intimidating, but it's essential to understand your rights and how to handle the situation. If you're getting calls from 877-339-5643, begin by making sure that the debt is legitimate and accurate. After that, think about negotiating a payment plan that works for your financial state. You have the right to ask them to stop contacting you, though this won't get rid of the debt. If you're having trouble making payments, consider consulting a credit counseling agency or debt relief service for assistance.
If you've found erroneous information on your credit report from Harvard Collection Services, it's essential to take action. Start by studying your credit report carefully and pinpointing any errors or inaccuracies. You have the right to challenge any inaccurate or incomplete information - contact the relevant credit bureau with proof to back up your claim. Harvard Collection Services is legally obligated to investigate the dispute and respond within a reasonable timeframe. If they can't verify the data, it must be removed from your credit report.
The process could take some time, but it's worth it to ensure that your credit report is up-to-date and accurate - you don’t want negative items that don’t belong on your report to linger and cause your credit score to suffer.
Speak with a live credit specialist for your free consultation, now