Smith Rouchon On Your Credit Report?

Who Does Smith Rouchon Collect For?

Smith Rouchon 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.

Does Smith Rouchon Hurt My Credit Score?

Any derogratory mark under it's statute of limitations may severely impact your credit score. A collections account is no different.

How Do I Remove Smith Rouchon From My Credit Report?

Removing Smith Rouchon 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.

Is Smith Rouchon A Debt Collection Agency?

Smith Rouchon 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").

Should I Pay For Delete With Smith Rouchon?

Paying off Smith Rouchon 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.

Should I Negotiate A Settlement With Smith Rouchon?

Settling your debt with Smith Rouchon 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).

Is Smith Rouchon Legit, Fake Or A Scam?

Smith Rouchon is a legitimate company. They are not a fake company, or a scam. But, they may spam call and harass you.

Why Does Smith Rouchon Keep Calling Me?

Smith Rouchon 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.

Will Smith Rouchon Try Suing Or Garnishing My Wages?

It's very unlikely that Smith Rouchon 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.

Does Smith Rouchon Accept A Goodwill Letter To Remove My Collection/Charge-Off?

Smith Rouchon does not accept goodwill letters to remove collection accounts or chargeoffs in our experience, and this is typical. Most collection agencies do not.

Who Does Smith Rouchon Collect For?

Smith Rouchon collects for a variety of lending companies (called creditors). These are constantly changing, and typically collection agencies, including Smith Rouchon, do not share publicly who they buy from.

What Are My Rights When Dealing With Smith Rouchon?

You have the right to dispute any debt of yours that Smith Rouchon is trying to collect. Smith Rouchon 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.

What Is Smith Rouchon Phone Number?

You likely want to call Credit Glory, first. The reason? Simple. You may not want to pay Smith Rouchon debt, especially if it's potentially inaccurate. Paying it off could hurt your score.

Where Can I Find Smith Rouchon Login?

Logging it to Smith Rouchon may be a good idea.

However, we strongly recommend giving a Credit Repair company (like us), a call first. We'll review why Smith Rouchon is on your report and see how we might be able to dispute (and potentially remove) them.

Remove Smith Rouchon From Your Report, Today!

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.