11 Charter Bright House is a debt collection agency responsible for reporting collections on your credit report. In many instances, they acquire these debts from original creditors, often at a fraction of the initial amount owed, such as credit card companies or lenders. They might also act as collectors on behalf of other companies.

Impact of 11 Charter Bright House on Your Credit Score

The presence of a collections account, especially within its statute of limitations, can have a significant negative impact on your credit score.

Removing 11 Charter Bright House From Your Credit Report

It may be possible to remove 11 Charter Bright House from your credit report if the information on the account is incorrect, erroneous, or fraudulent, and cannot be rectified promptly. According to a study by the U.S. PIRGs, a substantial percentage of credit reports contain errors, which we specialize in addressing for our clients.

The legitimacy of 11 Charter Bright House

11 Charter Bright House is a legitimate debt collection agency. While they are not fraudulent or a scam, they may engage in persistent communication tactics.

Dealing with Calls from 11 Charter Bright House

Ignoring their calls and seeking professional assistance might be the best course of action to deal with 11 Charter Bright House's persistent contact attempts.

Legal Actions and Wage Garnishment

The likelihood of 11 Charter Bright House pursuing legal actions, including lawsuits, is relatively low. State and federal laws have exemptions that limit bank and wage garnishments. Seeking professional advice can help assess the potential risks and steps to remove the collection.

Use of Goodwill Letters

In our experience, 11 Charter Bright House does not typically accept goodwill letters to remove collection accounts or charge-offs.

Rights When Dealing with 11 Charter Bright House

You have the right to dispute any debt that 11 Charter Bright House is attempting to collect. They are bound by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which provide consumer protection rights.

Contacting 11 Charter Bright House

If you're hesitant to pay 11 Charter Bright House debt, especially if it's potentially inaccurate, it's wise to consult a credit repair company like DIY Credit. They can help evaluate your situation and provide guidance on addressing the collection.

Removing 11 Charter Bright House from Your Credit Report

For a smoother and less stressful resolution, consider consulting a Credit Repair professional to assess your credit report and identify the causes of your credit score drop. If you're in search of a reliable company to help correct credit errors, don't hesitate to get in touch with us.

CALL US NOW AT 803-784-8100