Wakefield & Associates On Your Credit Report?

March 10, 2023

Wakefield & Associates 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 Wakefield & Associates from your report - without paying your debt (potentially)

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Who is Wakefield & Associates?

Founded in 1986, Wakefield & Associates is a third-party debt collection agency headquartered in Aurora, Colorado. In addition to its main office, the company also has offices located in Georgia, Minnesota, and Texas. Wakefield & Associates collects a variety of debts, including but not limited to: 

  • credit card debt
  • medical debt
  • student loans

Is Wakefield & Associates a Scam?

Wakefield & Associates is not a scam. As a legitimate debt collection agency, they must be committed to conducting its operations within the confines of the law. The company's B+ rating and accreditation with the Better Business Bureau (BBB) are indicative of its commitment to addressing customer complaints and concerns effectively.

However, it is crucial to be aware of the numerous scams that exist, which aim to coerce individuals into making payments towards debts they do not owe. In case you receive a call or message from Wakefield & Associates or any other debt collector, it is advisable to verify the authenticity of the debt before making any payment.

Understanding Wakefield & Associates: Who Do They Collect Debts for?

Wakefield & Associates offers debt collection services to a diverse clientele, which includes:

  • major credit card companies
  • healthcare providers
  • financial institutions
  • telecommunications.

Apart from collecting debts on behalf of clients, Wakefield & Associates also acquires and resells debts. As a result, the company may be collecting on debts that it owns instead of collecting on behalf of another entity.

Need Help With Wakefield & Associates?

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Removing Wakefield & Associates From Your Credit Report

To eliminate Wakefield & Associates from your credit report, you need to follow a few essential steps. Firstly, obtain a copy of your credit report from each of the three major credit bureaus - Equifax, Experian, and TransUnion. You can access a free copy of your credit report once annually from each bureau via AnnualCreditReport.com.

After obtaining your credit report, scrutinize it meticulously for any inaccuracies or errors related to debts being collected by Wakefield & Associates. If you identify an error, dispute it with the relevant credit bureau. The bureau will conduct an investigation into the matter and remove inaccurate information from your credit report if deemed necessary.

Alternatively, you can negotiate a pay-for-delete agreement with Wakefield & Associates by paying off the debt in exchange for removing it from your credit report. However, not all debt collectors may agree to this arrangement.

If you encounter difficulties eliminating Wakefield & Associates from your credit report, seeking professional assistance from Credit Glory may be the best course of action.

Reasons Why Wakefield & Associates May Be Calling You

There are various reasons why Wakefield & Associates may contact you. The most common reason is that you owe a debt that the company is attempting to collect. However, it is crucial to verify the legitimacy of the debt before making any payments.

Another reason why Wakefield & Associates may call you is if they have been unsuccessful in reaching you via mail. According to legal requirements, the company must make a good faith effort to contact you before taking any legal action.

If you prefer not to receive calls from Wakefield & Associates, you can opt for a cease and desist letter. This letter requests the company to stop contacting you, and once received, they are legally obligated to comply with your request.

What Are the Typical Mistakes Found on Credit Reports?

Lenders utilize credit reports to evaluate the risk involved in extending credit to borrowers. Credit reporting agencies generate these reports, which can contain errors that have an impact on your credit score. Some of the most prevalent errors found on credit reports are:

  • Incorrect personal information (e.g. name, address, Social Security number)
  • Fraudulent accounts opened in your name
  • Inaccurate account details (e.g. balance, payment history)
  • Duplicate accounts listed on your report

It's important to monitor your credit report regularly to catch these errors and have them corrected. You can dispute errors with the credit reporting agency and the creditor reporting the information.

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What are the Advantages of an Excellent Credit Score?

A good credit score is a significant determinant of your financial well-being, and it provides several advantages such as:

  • Lower interest rates offered by lenders
  • Easier approval for loans, credit cards, and financial products
  • Better insurance rates from some companies
  • More negotiating power for better loan and credit card terms

Improving your credit score is not an overnight task, but you can take several measures to improve it. These include paying bills on time, keeping credit card balances low, and monitoring your credit report for errors. By taking these steps consistently over time, you can make a positive impact on your financial well-being.

What are the Main Concerns Raised in Complaints About Wakefield & Associates?

Wakefield & Associates, a debt collection agency that operates in various industries, has been subject to complaints such as:

  • Harassment
  • Lack of  debt verification
  • Errors in reporting

To mitigate any potential problems with Wakefield & Associates, it's essential to take appropriate precautions. These measures involve verifying the debts they claim you owe and consistently monitoring your credit report for errors or inaccuracies. By adopting a proactive and vigilant approach, you can guarantee that your financial records are precise and current.

Is it Possible for Wakefield & Associates to Sue me or Garnish my Wages?

It's important to understand your rights and responsibilities if you are in debt and being pursued by Wakefield & Associates. While they do have the right to sue you for outstanding debts, they must first file a lawsuit and provide evidence that the debt is indeed yours. If they succeed in their lawsuit, the court may order wage garnishment, bank account levies or property liens against you.

To avoid these legal consequences, it's essential to address any outstanding debts with Wakefield & Associates as soon as possible. Seeking professional assistance from Credit Glory can help you navigate this process and understand all of your options. Our team of experts can offer guidance and help develop a plan to pay off your debts. Don't let debt collectors like Wakefield & Associates cause unnecessary stress - contact Credit Glory today for personalized assistance.

Need Help With Wakefield & Associates?

Speak with one of our friendly Credit Specialists to find out how we can help you.

Call (844) 656-0790

Tap to call

Remove Wakefield & Associates From Your Credit Report, Today!

Dealing with a debt collection from Wakefield & Associates can be frustrating and overwhelming - especially when it negatively affects your credit score. However, don't lose hope just yet - there are steps you can take to remove the collection from your credit report.

If you're feeling overwhelmed with debt, seeking help from Credit Glory's team of experts can be a wise decision. Whether you're dealing with a debt collection agency or struggling to manage your finances, we can offer actionable advice that will help you get back on track. Don't let overwhelming debt hold you back any longer - contact Credit Glory today for expert assistance.