Everything You Should Know About Holloway Credit Solutions

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3 Steps to Remove Holloway Credit Solutions From Your Credit Report

LLC is a debt collection firm that is mainly based in Montgomery, Alabama. It was started in 1900 and has grown to have approximately 100 employees. Since the company purchases your debt from your creditor, they call you in an attempt to call to collect it. The collection agency also might appear on your credit card report, thus affecting your credit score- the good news is that you can remove it.

However, it is never easy to remove from your card report- you will have to write a validation letter, wait for a response and negotiate with them on the terms of payment which will typically cost your money and time. You don't have to worry since DoNotPay has got you covered and can do it quickly and less frustratingly.What You Should Know About Holloway Credit Solutions

According to the Better Business Bureau, the company is a legitimate third-party collection and credit reporting agency. The company has one of the best class technology and expertise that accelerates cash flow and increases debt recovery. Below is the contact information for the company:

CityAddressTelephoneOther company contacts
Montgomery1286 Carmichael Way, Montgomery, AL 36106(334) 396-1200
  • 1-334-396-1200
  • 1-800-264-2700
  • 1-334-396-3000
  • 1-800-489-3838
  • 1-334-792-3346
  • 1-334-396-1241
  • 1-251-476-2414
Dothan3201 Montgomery Hwy. Suite 5, Dothan, AL 36303-
Mobile4362 Midmost Dr. Suite A, Mobile, AL 36609

Learn About Who Holloway Credit Solutions Collect For

The company collects delinquent debts for

  1. Utility
  2. Retail lenders
  3. Education
  4. Medical
  5. Commercial

What Are Your Rights Under the Fair Debt Collections Practices Act (FDCPA) When Dealing With Holloway Collectors?

FDCPA regulates the behavior of collection agencies, and your rights categorically state what they are not supposed to do when collecting debt from you. They should not:

  • Harass you by phone.
  • Disguise the fact that they are a debt collector attempting to get a debt paid.
  • Publicize your debt to your friends, neighbors, or your colleagues at work.
  • Call you at working hours which might go against your workplace ethics.
  • Pretend to be attorneys or police officers to threaten you into paying your debt.
  • Call you before 8 am or after 9 pm in your time zone.

How Many Complaints Have Been Filed Against Holloway Credit Solutions – HCS?

From 2020 to date, the company has closed up to 27 complaints, with most of the complaints rotating around billing and collection. The company has a reputation for nagging you with constant calls in an attempt to collect their debt.What Is a Debt Validation Letter?According to the FDCPA, a collection agency is supposed to provide a validation letter to prove that the debt is legitimate. If a debt collector is not able to provide a validation letter, the debt cannot be resolved. A validation letter shows that a debt falsely yours and that the collection agency should collect it.Learn the Steps to Remove Holloway Credit Solutions From Your Credit Report by Yourself

To avoid constant calling and messaging from the agency, you can follow these steps to pay the debts and remove them from your credit report:

Demand a Debt-Proof

Request for documentation that will prove the legitimacy of the debt, including the total amount you should pay as per the Fair Credit Reporting Act (FCRA) and FDCPA.

Negotiate to Pay the Debt Partially

If the validation letter proves the debt falsely yours, you should organize and agree to start making a partial payment.

Seek a Professional

An attorney will be of great help in dealing with the collection agency- a credit repair company is a better fit in such a case.

All in all, using DIY methods to remove a collection agency from your credit card cannot guarantee a good experience since it will consume most of your time. Fortunately, DoNotPay through Clean -Credit -Report product assures a smooth ride in solving your problem.Learn the Steps to Remove Holloway Credit Solutions From Your Credit Report Using DoNotPay

DoNotPay helps you in three simple steps:

  1. Search Clean Credit Report on DoNotPay.

  2. Prepare a recent copy of your credit report that you can use as reference.

  3. Let us guide you through the 4 potential options:
  1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

  2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.

  3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!

  4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more! **

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