Who is Exeter Finance?
Exeter Finance, LLC is an auto finance company debt collection agency headquartered in Irving, Texas. They are a subprime auto loan provider to customers with bad credit that offers franchise dealership financing.
You may see Exeter Finance listed on your credit report as a collections account. This can happen if you’ve defaulted on a car loan or fallen behind on your monthly payment.
How can I remove Exeter Finance 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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Exeter Finance Corp Contact Information
Address:
Exeter Finance
2250 W John Carpenter Fwy #100
Irving, TX 75063
Mailing address:
Exeter Finance
P.O. Box 166008
Irving, TX 75016
Phone number: (800) 321-9637
Should I contact or pay Exeter Finance?
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 Credit reports can contain errors or list debts that are no longer valid.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 Exeter Finance is to work with a credit repair professional. They help remove millions of negative items every year from companies like Exeter Finance on behalf of their clients.
Will Exeter Finance sue me or garnish my wages?
Exeter Finance, similar to other finance companies, has the capacity to take legal action to recover unpaid debts. If they decide to sue and win the lawsuit, they may be granted a court judgment that could lead to wage garnishment as a way to recoup the debt. However, such drastic measures are often considered a final resort in the debt recovery process.
Exeter Finance Reviews & 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 Exeter Finance Corp
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 Exeter Finance 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.
- Exeter Finance cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Exeter Finance 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.
- Exeter Finance cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Exeter Finance From Your Credit Report Today!
Credit Saint offers assistance with disputing Exeter Finance 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.
