What Is Con Col Mgmn On My Credit Report?
Con Col Mgmn is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is Con Col Mgmn A Debt Collection Agency?
Yes, Con Col Mgmn is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
Con Col Mgmn may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does Con Col Mgmn Collect For?
Con Col Mgmn purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does Con Col Mgmn Hurt My Credit Score?
Yes, it is highly likely having Con Col Mgmn on your credit report is damaging your score significantly.
How To Deal With Con Col Mgmn If You Owe the Debt
If you owe a debt to Con Col Mgmn, the first step should be to verify that the debt is legitimate. You have the right to request proof from them that the debt is yours and that they have the legal authority to collect it. Once you've confirmed its validity, work on creating a plan to pay off the debt.
Bear in mind that simply paying off the debt won't necessarily remove Con Col Mgmn from your credit report. The collection account will remain on your report for up to seven years from your date of delinquency, even if it's been paid in full. To truly improve your credit score, consider taking additional steps such as disputing any incorrect information or negotiating a pay-for-delete agreement with Con Col Mgmn.
What To Do If Con Col Mgmn Is Reporting Inaccurate Information On Your Credit Report
If you find that Con Col Mgmn is reporting inaccurate information on your credit report, then you have the legal right to dispute it with the credit bureaus. Start by filing a dispute with each of the three major bureaus (Equifax, Experian, and TransUnion) and providing evidence to support your case.
If the bureaus determine that the information is inaccurate, they must remove it from your report according to law. However, it's important to note that this process can take time, so make sure to be diligent in following up and checking in.
If you're having trouble disputing errors yourself, consider hiring a credit repair professional like Credit Sage. Our team has the experience and expertise to help identify and challenge any inaccuracies on your report as well as provide guidance on how you can improve your credit score overall.
How Do I Remove Con Col Mgmn From My Credit Report?
To be eligible to remove Con Col Mgmn from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With Con Col Mgmn?
Paying off Con Col Mgmn to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With Con Col Mgmn?
Settling your debt with Con Col Mgmn could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is Con Col Mgmn Legit, Fake Or A Scam?
Con Col Mgmn is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do Con Col Mgmn Keep Calling Me?
Con Col Mgmn continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get Con Col Mgmn To Stop Calling Me?
As we’ve mentioned above, Con Col Mgmn will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
Con Col Mgmn Reviews And Complaints
Con Col Mgmn has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Con Col Mgmn Try Suing Or Garnishing My Wages?
Con Col Mgmn suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does Con Col Mgmn Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Con Col Mgmn does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Con Col Mgmn?
You have the right to dispute any of your debt that Con Col Mgmn has purchased. Con Col Mgmn is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is Con Col Mgmn Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Con Col Mgmn. The reason? You may not want to pay Con Col Mgmn debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Con Col Mgmn Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.