866-321-2195 belongs to Phillips & Cohen Associates. 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 Phillips & Cohen Associates from their credit reports (without having to pay their debt). When Phillips & Cohen Associates is removed from your report:
If you owe a debt that Phillips & Cohen Associates is attempting to collect, it's crucial to take action and resolve the issue. The first step is to verify that the debt is legitimate and that the collection agency has the right to collect it. You can request validation of the debt in writing, which should include information such as the original creditor and the amount owed.
After verifying that the debt is valid, you can work with Phillips & Cohen Associates to create a repayment plan that suits your budget. Ensure you communicate with them in writing and keep a record of all correspondence, including phone calls.
It's also essential to understand your rights as a consumer. Debt collectors are not allowed to harass or threaten you, and they must follow specific guidelines when attempting to collect a debt. If you feel that Phillips & Cohen Associates is violating your rights, you have the option of filing a complaint with the Consumer Financial Protection Bureau.
If Phillips & Cohen Associates is reporting incorrect information on your credit report, it can have adverse effects on your credit score and your ability to access credit in the future. The first step is to obtain a copy of your credit report and review it for errors. You can get a free copy of your credit report once a year from each of the three major credit bureaus.
If you find any inaccurate information, you can dispute it with the credit bureau and Phillips & Cohen Associates. Provide documentation to support your claim and clearly explain the error. The credit bureau must investigate your dispute within 30 days and remove any incorrect information.
If Phillips & Cohen Associates persists in reporting inaccurate information, remember you have the right to accurate information on your credit report and to dispute any mistakes. Contact Credit Sage today if you need assistance with your dispute.
Speak with a live credit specialist for your free consultation, now