Who is Premiere Credit of North America, LLC?
Premiere Credit of North America, LLC is a debt collection agency and accounts receivable management firm located in Indianapolis, Indiana. They were acquired by Performant Recovery in August 2018.
If you see Premiere Credit of North America listed on your credit report as a collections account, it implies you have a debt that has been handed over to them for recovery, likely due to non-payment.
Who does Premiere Credit of North America collect for?
Premiere Credit of North America collects for various sectors, including unpaid college tuition, governmental debts at all levels, delinquent federal and private student loans, unsettled healthcare bills, and utility services.
Is Premiere Credit of North America legit or a scam?
Premiere Credit of North America is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Premiere Credit of North America 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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Premiere Credit of North America, LLC Contact Information
Address:
Premiere Credit of North America
2002 Wellesley Boulevard
Indianapolis, IN 46219
Phone number: (866) 808-7118
Should I contact or pay Premiere Credit of North America?
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 Credit reports can contain errors or list debts that are no longer valid.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 Premiere Credit of North America is to work with a credit repair professional. They help remove millions of negative items every year from companies like Premiere Credit on behalf of their clients.
Will Premiere Credit of North America sue me or garnish my wages?
Premiere Credit of North America, LLC, like other similar organizations, has the ability to sue for unpaid debts. If they win a lawsuit against you, they may be able to garnish your wages depending on the regulations in your specific state. However, this is usually a last resort as the process can be costly and time-consuming.
Premiere Credit of North America, 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. Premiere Credit of North America currently has an A+ rating with the Better Business Bureau.
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 Premiere Credit of North America, LLC
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 Premiere Credit of North America 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.
- Premiere Credit of North America cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Premiere Credit of North America 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.
- Premiere Credit of North America cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Premiere Credit of North America From Your Credit Report Today!
Credit Saint offers assistance with disputing Premiere Credit of North America 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.
