Who Is 888-469-4520 ?
888-469-4520 belongs to Consumer Portfolio Services Inc.. They’re a debt collector reporting a collection account on your credit report.
This can mean 2 things:
- 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.
- 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 888-469-4520 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 Consumer Portfolio Services Inc. from their credit reports (without having to pay their debt). When Consumer Portfolio Services Inc. is removed from your report:
- They will stop calling you
- Your credit score will increase
Tips for Handling Phone Calls from 888-469-4520
Taking a call from 888-469-4520 can be stressful, but following these guidelines will help ensure you handle the situation with confidence:
- Stay calm and polite: To reach a successful resolution with debt collectors, it's essential to keep calm and be courteous. Losing your cool will not help the situation; rather remain composed even in challenging conversations.
- Don't give out personal information: Protect yourself from potential fraud - be wary of debt collectors asking for personal information, such as your social security number or banking details. Ensure that the collector is reliable before providing any sensitive data.
- Keep records: It's important to keep a log of all interactions with 888-469-4520, since having accurate records can be vital in defending yourself from potential debt disputes down the road. Make sure you include date, time and details for each call.
Verifying Your Debt with Consumer Portfolio Services Inc.
To make certain you know what debt, if any, is owed to Consumer Portfolio Services Inc., simply request verification of the debt. You are entitled by law to do so and here's how:
- Send a written request: To ensure your debt is properly verified, you can submit a written request to Consumer Portfolio Services Inc. that should include your personal details such as name, address and account number (if applicable).
- Request specific information: When addressing debt in a request, be sure to provide details like the original creditor's name, total owed amount (including any fees or interest), for an accurate overview of your situation.
- Keep records: Maintaining accurate records is essential should you need to dispute the debt with Consumer Portfolio Services Inc. in the future; ensuring that your request and all responses are kept will help protect your rights.
Verifying your debt with the collector is an essential part of asserting your rights in this situation. If this process feels daunting, contact Credit Sage for guidance and support.