Who is Check ‘N Go?
Check ‘N Go is a reputable payday loan lender that operates online, with its headquarters located in Cincinnati, Ohio. They specialize in offering a range of short-term financial solutions to individuals who are in urgent need of cash.
These solutions include cash advances, payday loans, check cashing services, prepaid debit cards, and installment loans. These services are aimed at helping people who are in financial emergencies and need immediate assistance.
If you fail to repay a loan, it could be sent to a debt collector for recovery. This action would result in Check ‘N Go appearing on your credit report as a collections account.
How can I remove Check ‘N Go Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Check ‘N Go Contact Information
Address:
Check ‘N Go
6212A Glenway Ave
Cincinnati, OH 45211
Phone number: (800) 561-2274
Should I contact or pay Check ‘N Go Collections?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Check ‘N Go Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Check ‘N Go on behalf of their clients.
Will Check ‘N Go Collections me or garnish my wages?
Check ‘N Go, like any other lender, is legally entitled to sue you for the unpaid debt. If they obtain a judgment against you in court, they may be able to garnish your wages, or levy your bank accounts, depending on your state’s laws. However, these are usually last-resort measures, as the legal process can be costly and time-consuming.
Check ‘N Go Complaints
Most collection agencies and payday lenders have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Check ‘N Go Collections
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Check ‘N Go Collections to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Check ‘N Go Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Check ‘N Go Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Check ‘N Go Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Check ‘N Go Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Check ‘N Go collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
