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JH Portfolio Debt Equities is a debt collection company
You may not have to pay your debt (paying it may hurt your score)
Call now to find out if you can remove JH Portfolio Debt Equities from your report - without paying your debt (potentially)
Call (844) 656-0790
JH Portfolio Debt Equities is a debt collector reporting a collection account on your credit report.
In some cases this means they purchased the debt from the original creditor (i.e. a credit card or loan company). Usually this means they paid pennies on the dollar, sometimes 1/10th of the original cost, to buy this debt. In other cases they may not own the debt themselves, instead being paid to collect on behalf of another company.
They may attempt to communicate with you via mail or phone calls (demanding payment). Even worse, a collections account now appears on your credit report. This hurts your score (and chances) to get approved for a loan or other important financial event.
Getting this account removed may be possible.
Any derogratory mark under it's statute of limitations may severely impact your credit score. A collections account is no different.
Removing JH Portfolio Debt Equities from your credit report may be possible if any information on the account is incorrect, error'd, or 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. We specialize in going after these types of accounts for our clients.
Speak with one of our friendly Credit Specialists to find out how we can help you.
Call (844) 656-0790
JH Portfolio Debt Equities is a debt collection agency. They buy debt from a number of different creditors that have given up on trying to collect the amount themselves (sometimes referred to as a "charge-off").
Paying off JH Portfolio Debt Equities to have credit bureaus delete it from your report seems ideal. There's one problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid'. The result? Your collections still appears on your report for 7 years (from the date of first delinquency). This means your credit is still affected.
Settling your debt with JH Portfolio Debt Equities may help your score, but it may also hurt your score. The answer depends on many variables. You may also not have to pay at all, and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
JH Portfolio Debt Equities is a legitimate company. They are not a fake company, or a scam. But, they may spam call and harass you.
JH Portfolio Debt Equities 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.
It's very unlikely that JH Portfolio Debt Equities decides to sue. In rare cases it may happen, but it is not the norm. State and federal laws have limits or 'exemptions' that apply to bank and wage garnishments. We strongly recommend giving us a call to determine the likelihood of a lawsuit, but also steps you can take to get this collection removed.
We've helped thousands of people remove errors from their report to get mortgages, auto loans, and so much more.
Call (844) 656-0790
JH Portfolio Debt Equities does not accept goodwill letters to remove collection accounts or chargeoffs in our experience, and this is typical. Most collection agencies do not.
JH Portfolio Debt Equities collects for a variety of lending companies (called creditors). These are constantly changing, and typically collection agencies, including JH Portfolio Debt Equities, do not share publicly who they buy from.
You have the right to dispute any debt of yours that JH Portfolio Debt Equities is trying to collect. JH Portfolio Debt Equities 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 you if you know how to use it.
You likely want to call Credit Glory, first. The reason? Simple. You may not want to pay JH Portfolio Debt Equities debt, especially if it's potentially inaccurate. Paying it off could hurt your score.
Logging it to JH Portfolio Debt Equities may be a good idea.
However, we strongly recommend giving a Credit Repair company (like us), a call first. We'll review why JH Portfolio Debt Equities is on your report and see how we might be able to dispute (and potentially remove) them.
Speak with one of our friendly Credit Specialists to find out how we can help you.
Call (844) 656-0790
In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.If you're looking for a reputable company to help you remove credit errors, give us a call.
Credit Experts: Available Monday-Friday, 7am-8pm EST. Saturday-Sunday, 10am-6pm EST
Customer Service: Available Monday-Friday, 9am-8pm EST
Copyright © 2023 Credit Glory LLC. All rights reserved. 1887 Whitney Mesa Dr Ste 2089, Henderson, NV 89014. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Credit Glory does not provide legal advice and is not a substitute for legal services. If you are dealing with credit and debt issues, you should contact a local attorney regardless of your use of our service. Credit Glory does not guarantee the permanent removal of verifiable tradelines or make promise(s) of any particular outcome whatsoever. Credit Glory requires active participation from its clientele regarding requested documents and information, including investigation results, for the sought-after outcome of a healthy, accurate credit report. Individual results may vary.
