How to Remove JH Portfolio Debt Equities From Your Credit Report

One morning you wake up to calls and letters from JH Portfolio Debt Equities asking for the debts you owe. Since you are not aware, you check your credit report to find the collection account. However, you don't remember owing anyone any debts since you cleared them all. If you are in this situation, just know you are not alone. About 89 million consumers in the U.S have a collections account on their credit report.

Dealing with debt collectors like JH Portfolio Debt Equities can be tricky. However, you don't have to do it alone. DoNotPay can remove the stress and help you dispute a credit report and improve your credit score.

What Is JH Portfolio Debt Equities About?

JH Portfolio Debt Equities LLC is a debt collection agency that purchases debt portfolios and seeks full balances from debtors. In some cases, the company can sue borrowers to force them to pay their debts. To contact JH Portfolio Debt Equities, use the following contact information:

How to Deal With JH Portfolio Debt Equities

When collecting debts, debt collection agencies can be annoying and ruthless, and JH Portfolio Debt Equities is no exception. Under federal law, the Fair Debt Collection Practices Act(FDCPA) makes it illegal for collection agencies to harass and abuse consumers over debts. The FDCPA also has a list of rights that can help you deal with collection agencies when they continuously harass you.

Your rights:

• When they call you over an alleged debt, request a debt validation letter that shows that you indeed owe the debts
• JH Portfolio Debt Equities has no right to publicly shame you for the debts or continuously harass you
• The collection agency must reveal who they are when they contact you, either by phone or in writing
• The collection you cannot use police to harass you or issue threats of arrest

What actions to take:

• Avoid answering phone calls. When JH Portfolio Debt Equities calls, ask to interact in writing. The less they know about you, the better
• Always record phone calls. Most states allow you to record phone calls even without the other party's consent. However, you can inform the agency about the recording if you live in a state that allows consent
• Don't believe everything they say. Sometimes the collection agencies can lie as a way to force you to pay
• Pay the debts. If you have the money and you believe the allegations to be true, then pay the debts
• Familiarize yourself with the statute of limitations. If the statute of limitations has passed, you are not legally required to clear your debts

How to Remove JH Portfolio Debt Equities From Your Credit Report

If there are errors made, then you can fix your credit score by removing the collection account from your credit report through the following ways:

1. Ask for Goodwill Deletion

If you have already cleared the debts, you can ask for a goodwill deletion. Just mail a letter to JH Portfolio Debt Equities asking for goodwill deletion. Politely tell them how the negative information affects your plans to buy a home and ask them to remove the account.

2. Dispute the Errors

You can file a dispute with the credit bureaus to investigate the errors and JH Portfolio Debt Equities to remove them. According to The Fair Credit Reporting Act(FCRA), all Credit Bureaus must only show correct information in the consumer's credit history. The presence of incorrect information should be disputed.

3. Ask JH Portfolio Debt Equities to Validate the Debts

Ask the collection agency for a debt validation letter if you can't find any errors on your credit report. Keep in mind that you only have 30 days to do it. If the JH Portfolio Debt Equities cannot validate your debts, they should remove the account.

4. Pay For Deletion

Since the JH Portfolio Debt Equities now owes the debts you owe your creditor, you can negotiate payment. Offer to pay a fraction of the debt balance for the negative information reviewed from your credit report. If the collection agency agrees, make sure you get the agreement in writing.

How DoNotPay Can Help Clean Your Credit Report

Cleaning your credit report on your own is hard. From visiting different offices and filing forms, the process can be hectic. Fortunately, DoNotPay can help you clean your credit report by writing a credit dispute letter from the comfort of your home. DoNotPay can also help remove inquiries from your credit report and any late payment on your credit report. All you have to do is follow these 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.

    

Why Use DoNotPay to Clean Your Credit Report

Many people rely on DoNotPay to help clean their credit report by removing JH Portfolio Debt Equities from their credit report, and here is why:

• Fast- You don't have to spend hours trying to clean the credit report
• Easy- DoNotPay has no extra forms for you to fill out when filing a dispute with the credit bureau.
• Successful- Once you sign up with DoNotPay to clean your credit report, you can be sure that they will do their best to fix the problem for you

What Else Can DoNotPay Do?

DoNotPay can also help you with:

• Learn how to cancel
• Learn financial aid appeal letter
• Learn help with bills