Who is Credence Resource Management?
Credence Resource Management (CRM) is a debt collection agency based in Dallas, Texas. They work with a variety of clients to recover unpaid debts.
If you find them listed on your credit report as a collections account, this suggests that a debt you owe has been transferred or sold to them for collection. It’s worth noting that they may appear under various abbreviations or shortenings of their name on your credit report, such as “credence collections” or “credence rm”.
Who does Credence Resource Management collect for?
Credence Resource Management serves an array of clients, ranging from credit card companies to healthcare professionals. They also handle collections for telecommunications and utility providers, such as AT&T and DirectTV.
Is Credence Resource Management legit or a scam?
Credence Resource Management (CRM) is indeed a legitimate debt collection agency, recognized for adhering to industry standards and legal regulations such. With several years in the business, their long-standing operation attests to their reliability in the industry.
CRM’s commitment to legal compliance and transparent practices further reinforces their legitimacy. However, you should verify any debts they claim you owe before making payments. This precaution ensures that all claims are accurate and rightfully attributed to you.
How can I remove Credence Resource Management 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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Credence Resource Management Contact Information
Address:
Credence Resource Management
17000 Dallas Pkwy Ste 204
Dallas, TX 75248-1940
Phone number: (855) 880-4791 or (855) 880-4792
Should I contact or pay Credence Resource Management?
Deciding whether to contact or pay Credence Resource Management requires careful consideration. First, verify the accuracy of the debt they claim you owe. This step ensures the debt is valid and legitimately yours.
If the debt is verified and accurate, paying it off might be advisable, particularly if it’s a recent obligation, and you acknowledge it as yours. Settling the debt can prevent further collection actions and potential negative impacts on your credit score.
However, if you’re unsure about the debt’s validity or if it’s an old debt, it might be more beneficial to dispute it. Credence Resource Management is required to provide proof of the debt, which includes information about the original creditor and the amount owed.
In cases where the debt is disputed or inaccurate, working with a credit repair professional or a legal advisor can guide you through the process of challenging the debt and potentially having it removed from your credit report.
Remember, each situation is unique, so consider your circumstances carefully before deciding to contact or pay CRM. In all scenarios, ensure you’re fully informed, and your actions align with your financial health and legal rights.
Will Credence Resource Management sue me or garnish my wages?
Credence Resource Management is legally entitled to sue you in an attempt to collect the debt. If they win the lawsuit and obtain a judgment against you, the next steps will depend on the laws in your state.
They may be permitted to garnish your wages, place a lien on your property, or levy your bank account to satisfy the debt. However, it’s worth noting that not all debt collectors will choose to go this route, as it can be time-consuming and expensive.
Credence Resource Management, LLC Complaints
Many collection agencies have numerous complaints filed 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 Credence Resource Management, LLC
Collection agencies must abide by state and federal laws in the United States. 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 Credence Resource Management, LLC 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.
- Credence Resource Management cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Credence Resource Management 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.
- Credence Resource Management cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Credence Resource Management From Your Credit Report Today!
Credit Saint offers assistance with disputing Credence Resource Management 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.
